Call reports 2004
HERSHEY BANK — 2004
What HERSHEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,337,000 | 34,347,000 | 33,345,000 | 32,441,000 |
| Total loans | 26,352,000 | 28,099,000 | 26,892,000 | 25,611,000 |
| Allowance for loan losses | 861,000 | 790,000 | 738,000 | 703,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,616,000 | 2,311,000 | 2,405,000 | 2,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,923,000 | 28,525,000 | 27,789,000 | 27,035,000 |
| Interest-bearing deposits | 25,163,000 | 25,223,000 | 24,346,000 | 23,191,000 |
| Noninterest-bearing deposits | 3,760,000 | 3,302,000 | 3,443,000 | 3,844,000 |
| Equity capital | 4,977,000 | 4,988,000 | 5,094,000 | 5,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,185,000 | 1,786,000 | 2,397,000 |
| Interest expense | 166,000 | 316,000 | 461,000 | 606,000 |
| Net interest income | 425,000 | 869,000 | 1,325,000 | 1,791,000 |
| Noninterest income | 28,000 | 61,000 | 92,000 | 129,000 |
| Noninterest expense | 261,000 | 517,000 | 763,000 | 1,063,000 |
| Provision for loan losses | 75,000 | 275,000 | 350,000 | 480,000 |
| Pretax income | 117,000 | 138,000 | 304,000 | 377,000 |
| Income tax | 39,000 | 49,000 | 109,000 | 130,000 |
| Net income | 78,000 | 89,000 | 195,000 | 247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,977,000 | 4,988,000 | 5,094,000 | 5,046,000 |
| Total capital | 5,283,000 | 5,306,000 | 5,396,000 | 5,332,000 |
| Risk-weighted assets | 23,957,000 | 24,930,000 | 23,745,000 | 22,486,000 |