Call reports 2015
HERSHEY BANK — 2015
What HERSHEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 75,044,000 | 74,989,000 | 75,450,000 | 77,512,000 |
| Total loans | 64,812,000 | 67,882,000 | 68,696,000 | 60,783,000 |
| Allowance for loan losses | 1,323,000 | 1,342,000 | 1,332,000 | 1,359,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,425,000 | 3,427,000 | 3,426,000 | 3,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,634,000 | 62,640,000 | 61,192,000 | 65,682,000 |
| Interest-bearing deposits | 54,927,000 | 54,417,000 | 54,209,000 | 55,817,000 |
| Noninterest-bearing deposits | 8,707,000 | 8,223,000 | 6,983,000 | 9,865,000 |
| Equity capital | 9,984,000 | 10,297,000 | 10,650,000 | 10,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,167,000 | 3,306,000 | 4,440,000 |
| Interest expense | 223,000 | 447,000 | 675,000 | 891,000 |
| Net interest income | 841,000 | 1,720,000 | 2,631,000 | 3,549,000 |
| Noninterest income | 101,000 | 225,000 | 353,000 | 482,000 |
| Noninterest expense | 483,000 | 984,000 | 1,454,000 | 2,028,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 429,000 | 901,000 | 1,440,000 | 1,883,000 |
| Income tax | 154,000 | 313,000 | 499,000 | 659,000 |
| Net income | 275,000 | 588,000 | 941,000 | 1,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,984,000 | 10,297,000 | 10,650,000 | 10,783,000 |
| Total capital | 10,755,000 | 11,115,000 | 11,473,000 | 11,549,000 |
| Risk-weighted assets | 61,176,000 | 64,994,000 | 65,375,000 | 60,740,000 |