Call reports 2004
CHELTEN HILLS SAVINGS BANK — 2004
What CHELTEN HILLS SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 19,588,000 | 20,895,000 | 21,334,000 | 22,121,000 |
| Total loans | 15,636,000 | 16,536,000 | 17,710,000 | 18,733,000 |
| Allowance for loan losses | 29,000 | 32,000 | 31,000 | 40,000 |
| Securities available for sale | 820,000 | 545,000 | 554,000 | 539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,376,000 | 18,594,000 | 19,058,000 | 19,809,000 |
| Interest-bearing deposits | 17,079,000 | 18,210,000 | 18,710,000 | 19,295,000 |
| Noninterest-bearing deposits | 297,000 | 384,000 | 348,000 | 514,000 |
| Equity capital | 2,122,000 | 2,152,000 | 2,189,000 | 2,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 270,000 | 550,000 | 854,000 | 1,150,000 |
| Interest expense | 105,000 | 212,000 | 327,000 | 446,000 |
| Net interest income | 165,000 | 338,000 | 527,000 | 704,000 |
| Noninterest income | 7,000 | 25,000 | 33,000 | 55,000 |
| Noninterest expense | 84,000 | 210,000 | 348,000 | 476,000 |
| Provision for loan losses | 1,000 | 4,000 | 3,000 | 12,000 |
| Pretax income | 87,000 | 142,000 | 202,000 | 265,000 |
| Income tax | 23,000 | 55,000 | 73,000 | 106,000 |
| Net income | 64,000 | 87,000 | 129,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,126,000 | 2,149,000 | 2,186,000 | 2,215,000 |
| Total capital | 2,155,000 | 2,181,000 | 2,217,000 | 2,255,000 |
| Risk-weighted assets | 9,835,000 | 10,146,000 | 10,556,000 | 10,783,000 |