Call reports 2002
HERSHEY BANK — 2002
What HERSHEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 38,139,000 | 38,373,000 | 37,819,000 | 36,610,000 |
| Total loans | 33,092,000 | 32,361,000 | 32,624,000 | 30,858,000 |
| Allowance for loan losses | 856,000 | 990,000 | 976,000 | 951,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,434,000 | 2,525,000 | 2,622,000 | 2,625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,627,000 | 32,975,000 | 32,393,000 | 31,150,000 |
| Interest-bearing deposits | 29,527,000 | 29,133,000 | 29,169,000 | 27,560,000 |
| Noninterest-bearing deposits | 3,100,000 | 3,842,000 | 3,224,000 | 3,590,000 |
| Equity capital | 4,542,000 | 4,585,000 | 4,729,000 | 4,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,610,000 | 2,414,000 | 3,149,000 |
| Interest expense | 325,000 | 622,000 | 908,000 | 1,154,000 |
| Net interest income | 493,000 | 988,000 | 1,506,000 | 1,995,000 |
| Noninterest income | 19,000 | 45,000 | 72,000 | 100,000 |
| Noninterest expense | 249,000 | 517,000 | 778,000 | 1,047,000 |
| Provision for loan losses | 60,000 | 245,000 | 305,000 | 375,000 |
| Pretax income | 203,000 | 271,000 | 495,000 | 673,000 |
| Income tax | 70,000 | 95,000 | 175,000 | 237,000 |
| Net income | 133,000 | 176,000 | 320,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,542,000 | 4,585,000 | 4,729,000 | 4,820,000 |
| Total capital | 4,919,000 | 4,944,000 | 5,094,000 | 5,168,000 |
| Risk-weighted assets | 29,669,000 | 28,050,000 | 28,581,000 | 27,250,000 |