Call reports 2006
HERSHEY BANK — 2006
What HERSHEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 35,006,000 | 35,269,000 | 36,656,000 | 36,697,000 |
| Total loans | 29,865,000 | 30,314,000 | 30,523,000 | 30,278,000 |
| Allowance for loan losses | 700,000 | 727,000 | 757,000 | 751,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,399,000 | 2,398,000 | 2,396,000 | 2,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,254,000 | 29,349,000 | 30,430,000 | 30,785,000 |
| Interest-bearing deposits | 24,266,000 | 25,377,000 | 26,380,000 | 26,298,000 |
| Noninterest-bearing deposits | 4,988,000 | 3,972,000 | 4,050,000 | 4,487,000 |
| Equity capital | 5,416,000 | 5,579,000 | 5,842,000 | 5,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,306,000 | 2,197,000 | 2,930,000 |
| Interest expense | 193,000 | 410,000 | 662,000 | 920,000 |
| Net interest income | 509,000 | 896,000 | 1,535,000 | 2,010,000 |
| Noninterest income | 41,000 | 211,000 | 323,000 | 430,000 |
| Noninterest expense | 283,000 | 567,000 | 901,000 | 1,420,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 237,000 | 480,000 | 867,000 | 900,000 |
| Income tax | 83,000 | 163,000 | 287,000 | 317,000 |
| Net income | 154,000 | 317,000 | 580,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,416,000 | 5,579,000 | 5,842,000 | 5,645,000 |
| Total capital | 5,752,000 | 5,916,000 | 6,190,000 | 5,992,000 |
| Risk-weighted assets | 26,497,000 | 26,572,000 | 27,419,000 | 27,350,000 |