Call reports 2003
HERSHEY BANK — 2003
What HERSHEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 36,052,000 | 36,015,000 | 37,117,000 | 34,727,000 |
| Total loans | 29,542,000 | 30,425,000 | 29,623,000 | 28,001,000 |
| Allowance for loan losses | 1,014,000 | 861,000 | 891,000 | 829,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,631,000 | 2,628,000 | 2,624,000 | 2,620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,482,000 | 30,371,000 | 31,308,000 | 29,350,000 |
| Interest-bearing deposits | 26,883,000 | 27,222,000 | 27,652,000 | 25,952,000 |
| Noninterest-bearing deposits | 3,599,000 | 3,149,000 | 3,656,000 | 3,398,000 |
| Equity capital | 4,935,000 | 5,077,000 | 5,201,000 | 4,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,384,000 | 2,076,000 | 2,729,000 |
| Interest expense | 210,000 | 404,000 | 600,000 | 789,000 |
| Net interest income | 483,000 | 980,000 | 1,476,000 | 1,940,000 |
| Noninterest income | 24,000 | 65,000 | 95,000 | 132,000 |
| Noninterest expense | 267,000 | 527,000 | 793,000 | 1,062,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 580,000 |
| Pretax income | 180,000 | 398,000 | 598,000 | 430,000 |
| Income tax | 63,000 | 139,000 | 213,000 | 149,000 |
| Net income | 117,000 | 259,000 | 385,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,935,000 | 5,077,000 | 5,201,000 | 4,899,000 |
| Total capital | 5,271,000 | 5,408,000 | 5,525,000 | 5,218,000 |
| Risk-weighted assets | 26,193,000 | 25,915,000 | 25,350,000 | 25,192,000 |