Chelten Hills Savings Bank in Abington, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Chelten Hills Savings Bank in Abington, Pennsylvania (PA)
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Chelten Hills Savings Bank - Overview

  • General
  • FDIC Certificate #: 57125
    Status: Active
    Federal Reserve ID: 821278
    Date Established: September 21, 1910
    WWW: http://www.cheltenhills.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 358170
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: October 02, 2000
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 Hidden Lane, Abington, PA 19001
    County: Montgomery
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Philadelphia
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Philadelphia, PA-NJ (#6160)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    CBSA Metro Statistical Area: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (#37980)
    Core Based Statistical Division: Philadelphia, PA (#37964)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $37.7 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $33.7 mil
    Return on assets (ROA): 0.61% ($0.2 mil)
    Quarterly return on assets: 0.47% ($0.2 mil)
    Return on Equity (ROE): 7.64% ($0.2 mil)
    Quarterly return on equity: 5.63% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.02% ($384.3 mil)
    Quarterly Pretax return on assets: 0.85% ($320.2 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $37,672Total assets
  • $5,280Cash and due from depository institutions
  • $5,068Interest-bearing balances
  • $668Securities
  • $153Federal funds sold & reverse repurchase agreements
  • $30,961Net loans & leases
  • $270Loan loss allowance
  • $0Trading account assets
  • $10Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $37,671Life insurance assets
  • $600All other assets
  • $34,520Total liabilities and capital
  • $33,669Total liabilities
  • $33,669Total deposits
  • $33,669Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $851Subordinated debt
  • $3,151All other liabilities
  • $3,151Total equity capital
  • $3,151Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $3,151Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,655Income earned, not collected on loans
  • $0Earning assets
  • $164Long-term assets (5+ years)
  • $36,850Average Assets, year-to-date
  • $16,909Average Assets, quarterly
  • $38,015Volatile liabilities
  • $37,776Insider loans
  • $20,443FHLB advances
  • $37,542Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,153Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $520Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,057Total interest income
  • $544Total interest expense
  • $1,513Net interest income
  • $152Provision for loan and lease losses
  • -$37Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$37Additional noninterest income
  • $935Total noninterest expense
  • $644Salaries and employee benefits
  • $35Premises and equipment expense
  • $256Additional noninterest expense
  • $389Pre-tax net operating income
  • $0Securities gains (losses)
  • $156Applicable income taxes
  • $233Income before extraordinary items
  • $0Extraordinary gains - net
  • $233Net income attributable to bank
  • $0Net charge-offs
  • $233Cash dividends
  • $76Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.54%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 4.07%Net interest margin
  • -0.10%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 7.64%Return on equity (ROE)
  • 7.64%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 200.00%Credit loss provision to net charge-offs
  • 7.12%Efficiency ratio
  • 63,347Assets per employee
  • 7.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 16.31%Noncurrent assets plus other real estate owned to assets
  • 4.39%Noncurrent loans to loans
  • 5.30%Net loans and leases to deposits
  • 91.96%Net loans and leases to core deposits
  • 94.28%Equity capital to assets
  • 8.36%Core capital (leverage) ratio
  • 8.40%Tier 1 risk-based capital ratio
  • 15.42%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $38,015Average earning assets
  • $3,050Average equity
  • $37,158Average loans

List of branches

  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0358170Chelten Hills Savings Bank2 Hidden Lane, Abington, PA 19001September 21, 1910Full Service Brick and Mortar

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