Call reports 2016
HERSHEY BANK — 2016
What HERSHEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 73,211,000 | 69,162,000 | 73,649,000 | 71,269,000 |
| Total loans | 57,673,000 | 61,181,000 | 63,950,000 | 60,826,000 |
| Allowance for loan losses | 1,384,000 | 1,364,000 | 1,375,000 | 1,407,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,483,000 | 4,653,000 | 4,652,000 | 4,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,982,000 | 57,601,000 | 59,117,000 | 59,291,000 |
| Interest-bearing deposits | 53,554,000 | 50,543,000 | 52,081,000 | 50,873,000 |
| Noninterest-bearing deposits | 7,428,000 | 7,058,000 | 7,036,000 | 8,418,000 |
| Equity capital | 11,029,000 | 11,329,000 | 11,677,000 | 11,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,041,000 | 3,105,000 | 4,170,000 |
| Interest expense | 235,000 | 418,000 | 569,000 | 753,000 |
| Net interest income | 780,000 | 1,623,000 | 2,536,000 | 3,417,000 |
| Noninterest income | 122,000 | 257,000 | 397,000 | 526,000 |
| Noninterest expense | 491,000 | 983,000 | 1,463,000 | 1,982,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 381,000 | 837,000 | 1,380,000 | 1,841,000 |
| Income tax | 135,000 | 291,000 | 486,000 | 632,000 |
| Net income | 246,000 | 546,000 | 894,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,029,000 | 11,329,000 | 11,677,000 | 11,842,000 |
| Total capital | 11,750,000 | 12,087,000 | 12,488,000 | 12,578,000 |
| Risk-weighted assets | 57,024,000 | 60,045,000 | 64,338,000 | 58,261,000 |