Chelten Hills Savings Bank

Chelten Hills Savings Bank is headquartered in Abington and is the 197^th largest bank in the state of Pennsylvania. It is also the 6,769^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 5 employees at 1 location. Chelten Hills Savings Bank has a 2-star health rating.

Chelten Hills Savings Bank Savings Account Rates

Chelten Hills Savings Bank Money Market Rates

Chelten Hills Savings Bank CD Rates

Data for Q1 2012

Institution Statistics Chelten Hills Savings Bank FDIC Certificate # 57125 BankRate Report View Year Established 1910 Employees 5 Primary Regulator FDIC Assets and Liabilities Assets $37.05 million Loans $30.23 million Deposits $33.16 million Equity Capital $3.22 million Loan Loss Allowance $306,000 Unbacked Noncurrent Loans $1.51 million Real Estate Owned $133,000 Historic Data - March 2011 Assets $37.76 million Equity Capital $3.00 million Loan Loss Allowance $140,000 Unbacked Noncurrent Loans $1.35 million Real Estate Owned $91,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.66% Return on Equity 7.79% Interest Income $524,000

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Chelten Hills Savings Bank had $1.65 million in non-current loans and owned real-estate with $3.52 million in equity and loan loss allowances on hand to cover it. This gives Chelten Hills Savings Bank a Texas Ratio of 46.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chelten Hills Savings Bank held steady from 45.94% as of March 31, 2011 to 46.76% as of March 31, 2012, resulting in a negative change of 1.80%. This indicates that the balance sheet and financial strength for Chelten Hills Savings Bank has held steady in recent periods. Deposit Growth In the past year, Chelten Hills Savings Bank has decreased its total deposits by $-993,000, resulting in -2.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Chelten Hills Savings Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Chelten Hills Savings Bank has $37.05 million in assets with $3.52 million in equity, resulting in a capitalization level of 9.51%, which is average.

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