Call reports 2009
CHICOPEE SAVINGS BANK — 2009
What CHICOPEE 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 | 523,986,000 | 538,041,000 | 546,756,000 | 542,743,000 |
| Total loans | 418,638,000 | 418,141,000 | 419,482,000 | 429,299,000 |
| Allowance for loan losses | 3,417,000 | 3,475,000 | 3,746,000 | 4,077,000 |
| Securities available for sale | 4,244,000 | 5,352,000 | 5,310,000 | 503,000 |
| Securities held to maturity | 45,561,000 | 37,162,000 | 42,864,000 | 62,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,598,000 | 380,434,000 | 390,115,000 | 371,333,000 |
| Interest-bearing deposits | 323,452,000 | 344,351,000 | 352,648,000 | 327,903,000 |
| Noninterest-bearing deposits | 31,146,000 | 36,083,000 | 37,467,000 | 43,430,000 |
| Equity capital | 80,016,000 | 80,829,000 | 81,387,000 | 81,073,000 |
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 | 6,078,000 | 12,208,000 | 18,290,000 | 24,487,000 |
| Interest expense | 2,474,000 | 4,886,000 | 7,349,000 | 9,625,000 |
| Net interest income | 3,604,000 | 7,322,000 | 10,941,000 | 14,862,000 |
| Noninterest income | 652,000 | 1,355,000 | 1,963,000 | 2,575,000 |
| Noninterest expense | 4,057,000 | 8,683,000 | 14,369,000 | 17,306,000 |
| Provision for loan losses | 94,000 | 165,000 | 550,000 | 897,000 |
| Pretax income | 141,000 | -144,000 | -2,013,000 | -2,028,000 |
| Income tax | 8,000 | -128,000 | -712,000 | -401,000 |
| Net income | 133,000 | -16,000 | -1,301,000 | -1,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,965,000 | 80,050,000 | 81,355,000 | 80,657,000 |
| Total capital | 82,382,000 | 83,525,000 | 85,101,000 | 84,779,000 |
| Risk-weighted assets | 410,026,000 | 411,795,000 | 406,439,000 | 416,282,000 |
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