Call reports 2010
HERSHEY BANK — 2010
What HERSHEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 43,990,000 | 46,186,000 | 48,762,000 | 48,207,000 |
| Total loans | 36,468,000 | 41,665,000 | 41,698,000 | 40,578,000 |
| Allowance for loan losses | 967,000 | 992,000 | 1,019,000 | 1,018,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,511,000 | 2,517,000 | 2,314,000 | 2,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,052,000 | 39,033,000 | 40,301,000 | 40,589,000 |
| Interest-bearing deposits | 31,835,000 | 33,671,000 | 34,404,000 | 35,084,000 |
| Noninterest-bearing deposits | 5,217,000 | 5,362,000 | 5,897,000 | 5,505,000 |
| Equity capital | 6,736,000 | 6,953,000 | 7,172,000 | 6,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 711,000 | 1,492,000 | 2,317,000 | 3,111,000 |
| Interest expense | 175,000 | 346,000 | 519,000 | 700,000 |
| Net interest income | 536,000 | 1,146,000 | 1,798,000 | 2,411,000 |
| Noninterest income | 87,000 | 187,000 | 276,000 | 397,000 |
| Noninterest expense | 349,000 | 700,000 | 1,071,000 | 1,502,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 244,000 | 573,000 | 913,000 | 1,186,000 |
| Income tax | 86,000 | 198,000 | 319,000 | 417,000 |
| Net income | 158,000 | 375,000 | 594,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,736,000 | 6,953,000 | 7,172,000 | 6,948,000 |
| Total capital | 7,149,000 | 7,420,000 | 7,631,000 | 7,407,000 |
| Risk-weighted assets | 32,482,000 | 36,811,000 | 36,165,000 | 36,159,000 |