Call reports 2005
HERSHEY BANK — 2005
What HERSHEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,235,000 | 34,119,000 | 33,576,000 | 34,850,000 |
| Total loans | 26,962,000 | 28,356,000 | 30,240,000 | 29,597,000 |
| Allowance for loan losses | 761,000 | 814,000 | 845,000 | 818,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,402,000 | 2,402,000 | 2,402,000 | 2,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,777,000 | 28,506,000 | 27,779,000 | 29,118,000 |
| Interest-bearing deposits | 22,729,000 | 24,800,000 | 24,308,000 | 24,012,000 |
| Noninterest-bearing deposits | 4,048,000 | 3,706,000 | 3,471,000 | 5,106,000 |
| Equity capital | 5,120,000 | 5,218,000 | 5,359,000 | 5,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 572,000 | 1,196,000 | 1,863,000 | 2,538,000 |
| Interest expense | 139,000 | 299,000 | 475,000 | 664,000 |
| Net interest income | 433,000 | 897,000 | 1,388,000 | 1,874,000 |
| Noninterest income | 29,000 | 63,000 | 107,000 | 147,000 |
| Noninterest expense | 270,000 | 556,000 | 832,000 | 1,152,000 |
| Provision for loan losses | 75,000 | 135,000 | 180,000 | 225,000 |
| Pretax income | 117,000 | 269,000 | 483,000 | 644,000 |
| Income tax | 42,000 | 96,000 | 169,000 | 227,000 |
| Net income | 75,000 | 173,000 | 314,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,120,000 | 5,218,000 | 5,359,000 | 5,262,000 |
| Total capital | 5,422,000 | 5,533,000 | 5,685,000 | 5,593,000 |
| Risk-weighted assets | 23,702,000 | 24,676,000 | 25,561,000 | 25,971,000 |