Call reports 2008
HERSHEY BANK — 2008
What HERSHEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 38,359,000 | 37,146,000 | 36,779,000 | 36,717,000 |
| Total loans | 34,195,000 | 32,391,000 | 32,339,000 | 31,713,000 |
| Allowance for loan losses | 875,000 | 917,000 | 924,000 | 925,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,902,000 | 2,898,000 | 2,898,000 | 2,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,699,000 | 30,579,000 | 30,063,000 | 30,343,000 |
| Interest-bearing deposits | 26,569,000 | 25,864,000 | 25,488,000 | 25,554,000 |
| Noninterest-bearing deposits | 5,131,000 | 4,715,000 | 4,575,000 | 4,789,000 |
| Equity capital | 6,177,000 | 6,338,000 | 6,483,000 | 6,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,526,000 | 2,246,000 | 2,927,000 |
| Interest expense | 264,000 | 497,000 | 719,000 | 940,000 |
| Net interest income | 524,000 | 1,029,000 | 1,527,000 | 1,987,000 |
| Noninterest income | 104,000 | 214,000 | 310,000 | 407,000 |
| Noninterest expense | 331,000 | 668,000 | 1,024,000 | 1,394,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 267,000 | 515,000 | 723,000 | 880,000 |
| Income tax | 91,000 | 179,000 | 242,000 | 309,000 |
| Net income | 176,000 | 336,000 | 481,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,177,000 | 6,338,000 | 6,483,000 | 6,273,000 |
| Total capital | 6,554,000 | 6,692,000 | 6,841,000 | 6,626,000 |
| Risk-weighted assets | 29,661,000 | 27,731,000 | 28,076,000 | 27,665,000 |