Call reports 2012
HERSHEY BANK — 2012
What HERSHEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 51,677,000 | 52,948,000 | 54,824,000 | 55,420,000 |
| Total loans | 43,160,000 | 47,512,000 | 48,305,000 | 48,277,000 |
| Allowance for loan losses | 1,130,000 | 1,159,000 | 1,182,000 | 1,195,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,905,000 | 2,604,000 | 2,603,000 | 2,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,798,000 | 44,857,000 | 44,362,000 | 47,271,000 |
| Interest-bearing deposits | 35,329,000 | 37,624,000 | 37,809,000 | 39,408,000 |
| Noninterest-bearing deposits | 8,469,000 | 7,233,000 | 6,553,000 | 7,863,000 |
| Equity capital | 7,621,000 | 7,884,000 | 8,182,000 | 7,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 770,000 | 1,600,000 | 2,482,000 | 3,376,000 |
| Interest expense | 111,000 | 246,000 | 384,000 | 528,000 |
| Net interest income | 659,000 | 1,354,000 | 2,098,000 | 2,848,000 |
| Noninterest income | 112,000 | 246,000 | 398,000 | 524,000 |
| Noninterest expense | 370,000 | 767,000 | 1,189,000 | 1,679,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 379,000 | 788,000 | 1,239,000 | 1,603,000 |
| Income tax | 130,000 | 275,000 | 429,000 | 559,000 |
| Net income | 249,000 | 513,000 | 810,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,621,000 | 7,884,000 | 8,182,000 | 7,664,000 |
| Total capital | 8,126,000 | 8,431,000 | 8,746,000 | 8,243,000 |
| Risk-weighted assets | 39,765,000 | 43,170,000 | 44,508,000 | 45,732,000 |