Call reports 2010
CHICOPEE SAVINGS BANK — 2010
What CHICOPEE SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 544,272,000 | 555,312,000 | 567,558,000 | 572,764,000 |
| Total loans | 431,765,000 | 437,935,000 | 437,697,000 | 436,651,000 |
| Allowance for loan losses | 4,303,000 | 4,123,000 | 4,267,000 | 4,431,000 |
| Securities available for sale | 538,000 | 487,000 | 498,000 | 362,000 |
| Securities held to maturity | 66,347,000 | 61,607,000 | 61,065,000 | 57,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,692,000 | 371,113,000 | 385,988,000 | 402,290,000 |
| Interest-bearing deposits | 320,211,000 | 333,060,000 | 339,294,000 | 353,949,000 |
| Noninterest-bearing deposits | 37,481,000 | 38,053,000 | 46,694,000 | 48,341,000 |
| Equity capital | 81,511,000 | 82,115,000 | 82,788,000 | 75,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,184,000 | 12,468,000 | 18,676,000 | 24,857,000 |
| Interest expense | 2,154,000 | 4,282,000 | 6,423,000 | 8,496,000 |
| Net interest income | 4,030,000 | 8,186,000 | 12,253,000 | 16,361,000 |
| Noninterest income | 620,000 | 1,212,000 | 1,814,000 | 2,481,000 |
| Noninterest expense | 4,388,000 | 8,805,000 | 12,971,000 | 17,365,000 |
| Provision for loan losses | 273,000 | 385,000 | 761,000 | 1,223,000 |
| Pretax income | -24,000 | 195,000 | 323,000 | 399,000 |
| Income tax | 2,000 | 9,000 | -176,000 | -311,000 |
| Net income | -26,000 | 186,000 | 499,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,394,000 | 81,533,000 | 82,128,000 | 74,237,000 |
| Total capital | 84,764,000 | 85,700,000 | 86,444,000 | 78,687,000 |
| Risk-weighted assets | 430,315,000 | 440,616,000 | 450,690,000 | 459,819,000 |
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