Call reports 2005
CHELTEN HILLS SAVINGS BANK — 2005
What CHELTEN HILLS SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 21,939,000 | 22,354,000 | 24,758,000 | 24,030,000 |
| Total loans | 18,866,000 | 18,842,000 | 20,752,000 | 20,755,000 |
| Allowance for loan losses | 35,000 | 34,000 | 40,000 | 41,000 |
| Securities available for sale | 516,000 | 513,000 | 533,000 | 531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,526,000 | 19,919,000 | 22,308,000 | 21,138,000 |
| Interest-bearing deposits | 19,118,000 | 19,342,000 | 21,178,000 | 20,652,000 |
| Noninterest-bearing deposits | 408,000 | 577,000 | 1,130,000 | 486,000 |
| Equity capital | 2,282,000 | 2,343,000 | 2,373,000 | 2,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 647,000 | 968,000 | 1,336,000 |
| Interest expense | 123,000 | 257,000 | 418,000 | 597,000 |
| Net interest income | 186,000 | 390,000 | 550,000 | 739,000 |
| Noninterest income | 8,000 | 22,000 | 52,000 | 59,000 |
| Noninterest expense | 103,000 | 220,000 | 378,000 | 499,000 |
| Provision for loan losses | -5,000 | -6,000 | 0 | 1,000 |
| Pretax income | 96,000 | 199,000 | 224,000 | 298,000 |
| Income tax | 24,000 | 66,000 | 78,000 | 98,000 |
| Net income | 72,000 | 133,000 | 146,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,274,000 | 2,335,000 | 2,373,000 | 2,414,000 |
| Total capital | 2,309,000 | 2,369,000 | 2,413,000 | 2,455,000 |
| Risk-weighted assets | 10,638,000 | 10,429,000 | 11,544,000 | 11,289,000 |