Call reports 2014
HERSHEY BANK — 2014
What HERSHEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 71,097,000 | 71,476,000 | 71,221,000 | 76,370,000 |
| Total loans | 59,003,000 | 62,789,000 | 63,963,000 | 66,038,000 |
| Allowance for loan losses | 1,278,000 | 1,315,000 | 1,313,000 | 1,288,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,487,000 | 3,488,000 | 3,487,000 | 3,425,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,420,000 | 59,302,000 | 59,839,000 | 61,563,000 |
| Interest-bearing deposits | 52,946,000 | 51,332,000 | 52,047,000 | 52,849,000 |
| Noninterest-bearing deposits | 8,474,000 | 7,970,000 | 7,792,000 | 8,714,000 |
| Equity capital | 8,937,000 | 9,230,000 | 9,561,000 | 9,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 995,000 | 2,035,000 | 3,153,000 | 4,260,000 |
| Interest expense | 201,000 | 406,000 | 625,000 | 835,000 |
| Net interest income | 794,000 | 1,629,000 | 2,528,000 | 3,425,000 |
| Noninterest income | 105,000 | 228,000 | 356,000 | 472,000 |
| Noninterest expense | 462,000 | 938,000 | 1,451,000 | 1,982,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 419,000 | 883,000 | 1,379,000 | 1,843,000 |
| Income tax | 144,000 | 315,000 | 480,000 | 646,000 |
| Net income | 275,000 | 568,000 | 899,000 | 1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,937,000 | 9,230,000 | 9,561,000 | 9,709,000 |
| Total capital | 9,628,000 | 9,965,000 | 10,313,000 | 10,509,000 |
| Risk-weighted assets | 54,717,000 | 58,213,000 | 59,622,000 | 63,478,000 |