Call reports 2019
HERSHEY BANK — 2019
What HERSHEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 75,472,000 | 76,222,000 | 77,573,000 | 77,413,000 |
| Total loans | 61,816,000 | 60,435,000 | 63,428,000 | 62,124,000 |
| Allowance for loan losses | 1,278,000 | 1,308,000 | 65,000 | 156,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,181,000 | 4,286,000 | 4,108,000 | 3,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,259,000 | 61,698,000 | 64,381,000 | 65,226,000 |
| Interest-bearing deposits | 53,082,000 | 54,054,000 | 56,897,000 | 56,309,000 |
| Noninterest-bearing deposits | 8,177,000 | 7,644,000 | 7,484,000 | 8,917,000 |
| Equity capital | 14,030,000 | 14,272,000 | 11,531,000 | 11,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,136,000 | 2,199,000 | 826,000 | 2,085,000 |
| Interest expense | 243,000 | 497,000 | 175,000 | 458,000 |
| Net interest income | 893,000 | 1,702,000 | 651,000 | 1,627,000 |
| Noninterest income | 133,000 | 294,000 | 82,000 | 216,000 |
| Noninterest expense | 541,000 | 1,102,000 | 394,000 | 1,047,000 |
| Provision for loan losses | 225,000 | 325,000 | 60,000 | 150,000 |
| Pretax income | 260,000 | 569,000 | 279,000 | 646,000 |
| Income tax | 51,000 | 118,000 | 61,000 | 144,000 |
| Net income | 209,000 | 451,000 | 218,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,030,000 | 14,272,000 | 9,978,000 | 10,188,000 |
| Total capital | 14,783,000 | 14,986,000 | 10,043,000 | 10,344,000 |
| Risk-weighted assets | 59,770,000 | 56,568,000 | 57,884,000 | 57,361,000 |