Call reports 2025
HAVERHILL BANK — 2025
What HAVERHILL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 621,009,000 | 620,956,000 | 637,747,000 | 636,312,000 |
| Total loans | 469,503,000 | 466,534,000 | 478,469,000 | 473,781,000 |
| Allowance for loan losses | 3,660,000 | 3,679,000 | 3,712,000 | 3,754,000 |
| Securities available for sale | 91,245,000 | 87,830,000 | 88,804,000 | 89,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,326,000 | 512,847,000 | 515,818,000 | 520,378,000 |
| Interest-bearing deposits | 420,057,000 | 411,905,000 | 420,347,000 | 418,132,000 |
| Noninterest-bearing deposits | 92,269,000 | 100,942,000 | 95,471,000 | 102,246,000 |
| Equity capital | 52,538,000 | 55,103,000 | 58,091,000 | 60,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,825,000 | 13,823,000 | 21,080,000 | 28,396,000 |
| Interest expense | 3,572,000 | 7,007,000 | 10,493,000 | 13,818,000 |
| Net interest income | 3,253,000 | 6,816,000 | 10,587,000 | 14,578,000 |
| Noninterest income | 334,000 | 676,000 | 1,023,000 | 1,399,000 |
| Noninterest expense | 3,518,000 | 7,078,000 | 10,588,000 | 14,175,000 |
| Provision for loan losses | 45,000 | 76,000 | 120,000 | 177,000 |
| Pretax income | -622,000 | 2,221,000 | 5,019,000 | 7,139,000 |
| Income tax | -162,000 | 414,000 | 1,016,000 | 1,465,000 |
| Net income | -460,000 | 1,807,000 | 4,003,000 | 5,674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,499,000 | 63,766,000 | 65,961,000 | 67,633,000 |
| Total capital | 65,375,000 | 67,745,000 | 69,973,000 | 71,718,000 |
| Risk-weighted assets | 470,350,000 | 475,463,000 | 491,111,000 | 492,924,000 |