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Chelten Hills Savings Bank

Abington, PA · Cert 57125

FDIC · 1 branch

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chelten Hills Savings Bank

Abington, PA · Cert 57125

FDIC · 1 branch

Q3 2017

$22.8MAssets
$20.9MLoans
$18.9MDeposits
$3.5MEquity
Deposit mix
99%Interest-bearing $18.6M1%Noninterest $0.2MQ3 2016Q3 2017

NIM

4.32%Q3 ’154.75%Q3 ’164.73%Q3 ’17+11%-2%

Non-interest income vs. expense

2.67%Q3 ’152.90%Q3 ’163.92%Q3 ’17+4%+43%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2017 SOD (annual) · 0.0% share · #102 of 123 inst. · $0.0B of $452.7B

Executive Summary

  • Earnings: ROA of -0.16%, up 34 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 14.66%, up 244 bps from a year ago.
  • Funding: loans stand at 111.01% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.16%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.80%-8 bps YoY

Efficiency Ratio (YTD, annualized)

103.85%+3,177 bps YoY

Tier 1 Leverage Ratio

14.66%+244 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.50%-0.20%0.44%0.66%-0.16%+34 bps
Return on Equity-4.17%-1.60%3.27%4.82%-1.13%+304 bps
Net Interest Margin3.89%3.85%3.40%3.61%3.80%-8 bps
Efficiency Ratio72.08%73.81%84.26%79.69%103.85%+3,177 bps
Non-Interest Burden2.76%2.80%2.89%2.89%3.95%+118 bps
Growth
Asset Growth (YoY)-8.87%-8.67%-13.09%-14.32%-17.54%-867 bps
Loan Growth (YoY)-8.29%-5.96%-8.86%-8.26%-4.68%+361 bps
Deposit Growth (YoY)-8.82%-8.30%-14.12%-17.66%-20.43%-1,161 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.04%0.00%0.00%0 bps
Net Charge-Offs / Loans3.31%2.51%-0.15%-0.05%-0.04%-335 bps
Allowance / Loans1.03%1.04%1.14%1.17%1.10%+7 bps
Allowance Coverage of NPLsn/an/a30.1xn/an/an/an/a
Capital
Tier 1 Leverage Ratio12.22%12.78%13.36%14.36%14.66%+244 bps
Total Risk-Based Capital26.04%26.35%27.50%28.68%30.49%+445 bps
Equity / Assets12.59%12.94%13.87%14.60%15.36%+277 bps
Liquidity & Funding
Loans / Deposits92.67%93.29%97.62%98.51%111.01%+1,834 bps
Liquid Assets / Assets15.24%13.48%11.25%11.30%6.35%-889 bps
CRE / Total Capitaln/an/an/an/an/an/an/a