Call reports 2007
CHELTEN HILLS SAVINGS BANK — 2007
What CHELTEN HILLS SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,213,000 | 28,348,000 | 28,590,000 | 29,433,000 |
| Total loans | 22,853,000 | 23,691,000 | 23,842,000 | 24,679,000 |
| Allowance for loan losses | 41,000 | 43,000 | 45,000 | 51,000 |
| Securities available for sale | 792,000 | 888,000 | 1,095,000 | 1,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,591,000 | 25,687,000 | 25,965,000 | 26,750,000 |
| Interest-bearing deposits | 25,030,000 | 25,349,000 | 25,809,000 | 26,486,000 |
| Noninterest-bearing deposits | 561,000 | 338,000 | 156,000 | 264,000 |
| Equity capital | 2,512,000 | 2,517,000 | 2,511,000 | 2,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 879,000 | 1,344,000 | 1,847,000 |
| Interest expense | 284,000 | 582,000 | 892,000 | 1,207,000 |
| Net interest income | 165,000 | 297,000 | 452,000 | 640,000 |
| Noninterest income | 9,000 | 12,000 | 21,000 | 0 |
| Noninterest expense | 134,000 | 253,000 | 425,000 | 562,000 |
| Provision for loan losses | 0 | 2,000 | 4,000 | 10,000 |
| Pretax income | 40,000 | 54,000 | 44,000 | 68,000 |
| Income tax | 5,000 | 14,000 | 10,000 | 21,000 |
| Net income | 35,000 | 40,000 | 34,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,523,000 | 2,516,000 | 2,507,000 | 2,514,000 |
| Total capital | 2,564,000 | 2,559,000 | 2,552,000 | 2,565,000 |
| Risk-weighted assets | 12,962,000 | 13,209,000 | 13,352,000 | 14,166,000 |