Call reports 2006
CHELTEN HILLS SAVINGS BANK — 2006
What CHELTEN HILLS SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 26,077,000 | 26,011,000 | 25,653,000 | 26,990,000 |
| Total loans | 20,988,000 | 22,140,000 | 22,559,000 | 22,919,000 |
| Allowance for loan losses | 40,000 | 38,000 | 39,000 | 41,000 |
| Securities available for sale | 890,000 | 900,000 | 911,000 | 781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,555,000 | 23,447,000 | 23,097,000 | 24,421,000 |
| Interest-bearing deposits | 23,049,000 | 23,001,000 | 22,744,000 | 24,028,000 |
| Noninterest-bearing deposits | 506,000 | 446,000 | 353,000 | 393,000 |
| Equity capital | 2,436,000 | 2,451,000 | 2,480,000 | 2,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 768,000 | 1,166,000 | 1,572,000 |
| Interest expense | 202,000 | 436,000 | 683,000 | 946,000 |
| Net interest income | 184,000 | 332,000 | 483,000 | 626,000 |
| Noninterest income | 12,000 | 28,000 | 45,000 | 65,000 |
| Noninterest expense | 155,000 | 295,000 | 438,000 | 577,000 |
| Provision for loan losses | -1,000 | -3,000 | -2,000 | 0 |
| Pretax income | 42,000 | 68,000 | 92,000 | 114,000 |
| Income tax | 20,000 | 34,000 | 36,000 | 38,000 |
| Net income | 22,000 | 34,000 | 56,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,436,000 | 2,451,000 | 2,480,000 | 2,490,000 |
| Total capital | 2,476,000 | 2,489,000 | 2,519,000 | 2,531,000 |
| Risk-weighted assets | 11,788,000 | 12,134,000 | 12,280,000 | 12,658,000 |