Call reports 2013
HERSHEY BANK — 2013
What HERSHEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 56,987,000 | 58,991,000 | 65,580,000 | 68,877,000 |
| Total loans | 49,750,000 | 52,541,000 | 57,734,000 | 57,551,000 |
| Allowance for loan losses | 1,205,000 | 1,223,000 | 1,241,000 | 1,261,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,590,000 | 2,589,000 | 2,588,000 | 3,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,784,000 | 50,636,000 | 56,859,000 | 59,647,000 |
| Interest-bearing deposits | 41,620,000 | 43,809,000 | 49,235,000 | 51,500,000 |
| Noninterest-bearing deposits | 7,164,000 | 6,827,000 | 7,624,000 | 8,147,000 |
| Equity capital | 7,936,000 | 8,184,000 | 8,461,000 | 8,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,748,000 | 2,713,000 | 3,762,000 |
| Interest expense | 143,000 | 303,000 | 486,000 | 702,000 |
| Net interest income | 706,000 | 1,445,000 | 2,227,000 | 3,060,000 |
| Noninterest income | 124,000 | 267,000 | 380,000 | 498,000 |
| Noninterest expense | 399,000 | 889,000 | 1,340,000 | 1,882,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 416,000 | 793,000 | 1,222,000 | 1,616,000 |
| Income tax | 144,000 | 274,000 | 425,000 | 569,000 |
| Net income | 272,000 | 519,000 | 797,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,936,000 | 8,184,000 | 8,461,000 | 8,662,000 |
| Total capital | 8,514,000 | 8,818,000 | 9,132,000 | 9,352,000 |
| Risk-weighted assets | 45,612,000 | 50,095,000 | 53,074,000 | 54,615,000 |