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
No
ID
Name
Address
Established
Service Type
Map
0
358170
Chelten Hills Savings Bank
2 Hidden Lane, Abington, PA 19001
September 21, 1910
Full Service Brick and Mortar
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