Call reports 2024
HAVERHILL BANK — 2024
What HAVERHILL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 594,422,000 | 601,222,000 | 610,228,000 | 616,451,000 |
| Total loans | 443,827,000 | 447,875,000 | 454,513,000 | 463,986,000 |
| Allowance for loan losses | 3,536,000 | 3,372,000 | 3,419,000 | 3,610,000 |
| Securities available for sale | 87,324,000 | 90,082,000 | 92,455,000 | 89,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,722,000 | 500,850,000 | 500,617,000 | 508,004,000 |
| Interest-bearing deposits | 397,867,000 | 403,169,000 | 406,233,000 | 413,583,000 |
| Noninterest-bearing deposits | 98,855,000 | 97,681,000 | 94,384,000 | 94,421,000 |
| Equity capital | 50,353,000 | 50,678,000 | 54,800,000 | 51,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,260,000 | 12,744,000 | 19,418,000 | 26,244,000 |
| Interest expense | 3,240,000 | 6,708,000 | 10,380,000 | 14,056,000 |
| Net interest income | 3,020,000 | 6,036,000 | 9,038,000 | 12,188,000 |
| Noninterest income | 312,000 | 657,000 | 1,049,000 | 1,398,000 |
| Noninterest expense | 3,369,000 | 6,688,000 | 9,905,000 | 13,285,000 |
| Provision for loan losses | 45,000 | 16,000 | 61,000 | 252,000 |
| Pretax income | 2,324,000 | 2,676,000 | 4,650,000 | 3,804,000 |
| Income tax | 456,000 | 591,000 | 1,014,000 | 818,000 |
| Net income | 1,868,000 | 2,085,000 | 3,636,000 | 2,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,841,000 | 61,058,000 | 62,609,000 | 61,959,000 |
| Total capital | 64,722,000 | 64,780,000 | 66,378,000 | 65,786,000 |
| Risk-weighted assets | 450,889,000 | 443,762,000 | 457,682,000 | 463,655,000 |