Call reports 2008
CHELTEN HILLS SAVINGS BANK — 2008
What CHELTEN HILLS SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,076,000 | 29,463,000 | 28,595,000 | 29,783,000 |
| Total loans | 24,373,000 | 24,110,000 | 24,480,000 | 26,099,000 |
| Allowance for loan losses | 53,000 | 47,000 | 41,000 | 46,000 |
| Securities available for sale | 1,032,000 | 995,000 | 662,000 | 600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,845,000 | 26,574,000 | 25,900,000 | 27,086,000 |
| Interest-bearing deposits | 26,696,000 | 26,356,000 | 25,733,000 | 26,802,000 |
| Noninterest-bearing deposits | 149,000 | 218,000 | 167,000 | 284,000 |
| Equity capital | 2,553,000 | 2,546,000 | 2,493,000 | 2,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 488,000 | 940,000 | 1,393,000 | 1,875,000 |
| Interest expense | 312,000 | 588,000 | 835,000 | 1,076,000 |
| Net interest income | 176,000 | 352,000 | 558,000 | 799,000 |
| Noninterest income | 0 | 0 | 2,000 | 4,000 |
| Noninterest expense | 142,000 | 272,000 | 441,000 | 607,000 |
| Provision for loan losses | 2,000 | -5,000 | -10,000 | -6,000 |
| Pretax income | 32,000 | 85,000 | 2,000 | 75,000 |
| Income tax | 0 | 22,000 | 43,000 | 73,000 |
| Net income | 32,000 | 63,000 | -41,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,553,000 | 2,546,000 | 2,493,000 | 2,472,000 |
| Total capital | 2,606,000 | 2,593,000 | 2,534,000 | 2,518,000 |
| Risk-weighted assets | 14,048,000 | 13,725,000 | 13,590,000 | 14,491,000 |