Call reports 2003
CHELTEN HILLS SAVINGS BANK — 2003
What CHELTEN HILLS SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 17,285,000 | 18,398,000 | 19,238,000 | 18,674,000 |
| Total loans | 14,271,000 | 14,374,000 | 14,594,000 | 15,238,000 |
| Allowance for loan losses | 28,000 | 28,000 | 28,000 | 28,000 |
| Securities available for sale | 496,000 | 1,213,000 | 1,432,000 | 1,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,269,000 | 16,307,000 | 17,106,000 | 16,525,000 |
| Interest-bearing deposits | 15,153,000 | 16,045,000 | 16,512,000 | 16,133,000 |
| Noninterest-bearing deposits | 116,000 | 262,000 | 594,000 | 392,000 |
| Equity capital | 1,952,000 | 1,981,000 | 2,026,000 | 2,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 263,000 | 512,000 | 817,000 | 1,082,000 |
| Interest expense | 122,000 | 242,000 | 358,000 | 468,000 |
| Net interest income | 141,000 | 270,000 | 459,000 | 614,000 |
| Noninterest income | 14,000 | 21,000 | 42,000 | 55,000 |
| Noninterest expense | 88,000 | 189,000 | 321,000 | 428,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 102,000 | 180,000 | 241,000 |
| Income tax | 33,000 | 36,000 | 64,000 | 88,000 |
| Net income | 34,000 | 66,000 | 116,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,947,000 | 1,978,000 | 2,029,000 | 2,066,000 |
| Total capital | 1,975,000 | 2,006,000 | 2,057,000 | 2,094,000 |
| Risk-weighted assets | 8,361,000 | 9,553,000 | 9,830,000 | 10,003,000 |