Call reports 2009
CHELTEN HILLS SAVINGS BANK — 2009
What CHELTEN HILLS SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,871,000 | 34,637,000 | 35,604,000 | 36,207,000 |
| Total loans | 26,627,000 | 28,682,000 | 29,502,000 | 30,237,000 |
| Allowance for loan losses | 47,000 | 51,000 | 59,000 | 70,000 |
| Securities available for sale | 578,000 | 583,000 | 567,000 | 568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,083,000 | 31,737,000 | 32,482,000 | 32,944,000 |
| Interest-bearing deposits | 29,926,000 | 31,501,000 | 32,482,000 | 32,944,000 |
| Noninterest-bearing deposits | 157,000 | 236,000 | 0 | 0 |
| Equity capital | 2,497,000 | 2,556,000 | 2,616,000 | 2,670,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 490,000 | 1,011,000 | 1,538,000 | 2,081,000 |
| Interest expense | 240,000 | 482,000 | 711,000 | 925,000 |
| Net interest income | 250,000 | 529,000 | 827,000 | 1,156,000 |
| Noninterest income | 9,000 | 10,000 | 1,000 | 1,000 |
| Noninterest expense | 181,000 | 365,000 | 608,000 | 842,000 |
| Provision for loan losses | 2,000 | 5,000 | 13,000 | 24,000 |
| Pretax income | 76,000 | 169,000 | 143,000 | 227,000 |
| Income tax | 29,000 | 66,000 | 63,000 | 92,000 |
| Net income | 47,000 | 103,000 | 80,000 | 135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,497,000 | 2,556,000 | 2,616,000 | 2,670,000 |
| Total capital | 2,544,000 | 2,607,000 | 2,675,000 | 2,740,000 |
| Risk-weighted assets | 15,285,000 | 16,388,000 | 17,096,000 | 18,622,000 |