Vitals
  • Total Assets
    367.8M 1.8 %
  • Total Deposits
    312.8M 0.9 %
  • Total Net Loans
    271.1M 11.0 %
  • Net Income
    1.4M 25.8 %
  • Book Value
    38.1M 4.0 %
  • Book Value x2
    76.1M 4.0 %
  • Book Value x3
    114.2M 4.0 %
ROAA

.372

ROAE

3.606

Efficiency Ratio

83.34

Net Interest Margin

2.98

Balance Sheet Highlights
Financial Highlights Haverhill Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 367,812 761,274
Total Net Loans 271,105 592,852
Total Deposits 312,812 596,855
Total Equity 38,055 82,059
Profitability
Net Income 1,364 4,648
Return on Average Assets .372 .538
Return on Average Equity 3.606 4.944
Net Interest Margin 2.98 3.143
Efficiency Ratio 83.34 77.098
Noninterest Income/Revenue 10.349 14.538
Balance Sheet Ratios
Loan-to-Deposit 86.667 95.714
Securities/Assets .153 .124
Total Equity/Total Assets .103 .108
Tangible Equity/Tangible Assets .103 .106
Capital Adequacy
Tier 1 Common Capital 38,027 80,540
Tier 1 Capital 38,027 80,580
Tier 2 Capital 2,995 5,839
Total Capital 41,022 86,408
Total Risk Weighted Assets 234,207 559,688
Leverage Ratio 10.24 10.827
Common Equity Tier 1 Capital Ratio 16.24 15.478
Tier 1 Capital Ratio 16.24 15.53
Total Capital Ratio 17.52 16.563

Timeline for Haverhill Bank

Economy Co-Operative Bank

Acquisition: Haverhill Bank acquired a new subsidiary, Economy Co-Operative Bank, 12 years

View Profile Jan 01 2012

Northeast Community Branch

Acquisition: Haverhill Bank acquired a new subsidiary, Northeast Community Branch , 15 years

View Profile Dec 16 2008

Whittier Co-Operative Bank

Acquisition: Haverhill Bank acquired a new subsidiary, Whittier Co-Operative Bank , 42 years

View Profile Apr 05 1982

Haverhill Bank

Haverhill Bank was established 147 years ago and is currently headquartered in Haverhill, MA.

Jan 01 1877
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Economy Co-Operative Bank Seller 25,071 Acquisition Discontinued 1/1/2012
Northeast Community Branch Seller Acquisition Discontinued 12/16/2008
Whittier Co-Operative Bank Seller Discontinued 4/5/1982
Relationships Role Relationship Start Relationship End
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