Call reports 2009
HERSHEY BANK — 2009
What HERSHEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 39,064,000 | 39,643,000 | 43,010,000 | 44,577,000 |
| Total loans | 32,130,000 | 33,882,000 | 34,101,000 | 33,914,000 |
| Allowance for loan losses | 937,000 | 936,000 | 972,000 | 965,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,650,000 | 2,500,000 | 2,500,000 | 2,501,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,501,000 | 32,939,000 | 36,124,000 | 37,900,000 |
| Interest-bearing deposits | 27,460,000 | 28,163,000 | 30,566,000 | 31,653,000 |
| Noninterest-bearing deposits | 5,041,000 | 4,776,000 | 5,558,000 | 6,247,000 |
| Equity capital | 6,394,000 | 6,532,000 | 6,687,000 | 6,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 669,000 | 1,351,000 | 2,066,000 | 2,783,000 |
| Interest expense | 211,000 | 413,000 | 614,000 | 818,000 |
| Net interest income | 458,000 | 938,000 | 1,452,000 | 1,965,000 |
| Noninterest income | 89,000 | 202,000 | 304,000 | 401,000 |
| Noninterest expense | 332,000 | 683,000 | 1,028,000 | 1,361,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 185,000 | 397,000 | 638,000 | 895,000 |
| Income tax | 64,000 | 138,000 | 224,000 | 315,000 |
| Net income | 121,000 | 259,000 | 414,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,394,000 | 6,532,000 | 6,687,000 | 6,578,000 |
| Total capital | 6,757,000 | 6,900,000 | 7,074,000 | 6,965,000 |
| Risk-weighted assets | 28,446,000 | 28,836,000 | 30,396,000 | 30,389,000 |