Call reports 2023
HAVERHILL BANK — 2023
What HAVERHILL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 565,162,000 | 578,902,000 | 578,264,000 | 591,829,000 |
| Total loans | 417,753,000 | 429,223,000 | 433,598,000 | 439,970,000 |
| Allowance for loan losses | 3,411,000 | 3,451,000 | 3,497,000 | 3,496,000 |
| Securities available for sale | 89,667,000 | 88,495,000 | 84,002,000 | 89,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,254,000 | 487,460,000 | 485,627,000 | 489,674,000 |
| Interest-bearing deposits | 382,679,000 | 378,915,000 | 380,279,000 | 388,621,000 |
| Noninterest-bearing deposits | 107,575,000 | 108,545,000 | 105,348,000 | 101,053,000 |
| Equity capital | 46,575,000 | 46,947,000 | 43,492,000 | 49,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,309,000 | 10,915,000 | 16,799,000 | 22,910,000 |
| Interest expense | 1,481,000 | 3,618,000 | 6,192,000 | 9,063,000 |
| Net interest income | 3,828,000 | 7,297,000 | 10,607,000 | 13,847,000 |
| Noninterest income | 311,000 | 640,000 | 1,046,000 | 1,404,000 |
| Noninterest expense | 3,121,000 | 6,298,000 | 9,597,000 | 12,868,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 139,000 |
| Pretax income | 1,259,000 | 2,986,000 | 2,155,000 | 5,027,000 |
| Income tax | 297,000 | 668,000 | 456,000 | 1,059,000 |
| Net income | 962,000 | 2,318,000 | 1,699,000 | 3,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,215,000 | 57,572,000 | 56,704,000 | 58,973,000 |
| Total capital | 59,626,000 | 61,023,000 | 60,547,000 | 62,815,000 |
| Risk-weighted assets | 418,455,000 | 429,411,000 | 429,815,000 | 440,501,000 |