Call reports 2007
HERSHEY BANK — 2007
What HERSHEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 37,296,000 | 38,026,000 | 38,791,000 | 38,312,000 |
| Total loans | 32,008,000 | 33,030,000 | 33,950,000 | 32,520,000 |
| Allowance for loan losses | 795,000 | 815,000 | 846,000 | 841,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,385,000 | 2,387,000 | 2,390,000 | 2,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,221,000 | 31,713,000 | 32,218,000 | 32,014,000 |
| Interest-bearing deposits | 27,020,000 | 27,458,000 | 27,472,000 | 27,310,000 |
| Noninterest-bearing deposits | 4,201,000 | 4,256,000 | 4,746,000 | 4,704,000 |
| Equity capital | 5,814,000 | 5,980,000 | 6,171,000 | 6,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,532,000 | 2,349,000 | 3,168,000 |
| Interest expense | 258,000 | 527,000 | 803,000 | 1,087,000 |
| Net interest income | 495,000 | 1,005,000 | 1,546,000 | 2,081,000 |
| Noninterest income | 97,000 | 210,000 | 330,000 | 424,000 |
| Noninterest expense | 306,000 | 641,000 | 983,000 | 1,374,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 256,000 | 514,000 | 803,000 | 1,011,000 |
| Income tax | 87,000 | 179,000 | 277,000 | 354,000 |
| Net income | 169,000 | 335,000 | 526,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,814,000 | 5,980,000 | 6,171,000 | 6,002,000 |
| Total capital | 6,176,000 | 6,348,000 | 6,548,000 | 6,379,000 |
| Risk-weighted assets | 28,528,000 | 28,989,000 | 29,946,000 | 29,697,000 |