Call reports 2012
CHICOPEE SAVINGS BANK — 2012
What CHICOPEE SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 604,150,000 | 603,911,000 | 606,858,000 | 599,258,000 |
| Total loans | 455,637,000 | 459,152,000 | 472,910,000 | 469,662,000 |
| Allowance for loan losses | 4,448,000 | 4,482,000 | 4,401,000 | 4,364,000 |
| Securities available for sale | 626,000 | 584,000 | 590,000 | 621,000 |
| Securities held to maturity | 49,143,000 | 48,392,000 | 52,096,000 | 50,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,829,000 | 456,424,000 | 476,511,000 | 469,263,000 |
| Interest-bearing deposits | 389,405,000 | 383,763,000 | 397,846,000 | 393,840,000 |
| Noninterest-bearing deposits | 63,424,000 | 72,661,000 | 78,665,000 | 75,423,000 |
| Equity capital | 79,245,000 | 80,159,000 | 80,959,000 | 80,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,118,000 | 12,219,000 | 18,319,000 | 24,396,000 |
| Interest expense | 1,617,000 | 3,202,000 | 4,676,000 | 6,030,000 |
| Net interest income | 4,501,000 | 9,017,000 | 13,643,000 | 18,366,000 |
| Noninterest income | 682,000 | 1,459,000 | 2,079,000 | 3,060,000 |
| Noninterest expense | 4,678,000 | 9,329,000 | 13,542,000 | 17,599,000 |
| Provision for loan losses | 7,000 | 70,000 | 240,000 | 442,000 |
| Pretax income | 498,000 | 1,077,000 | 1,940,000 | 3,348,000 |
| Income tax | 55,000 | 117,000 | 323,000 | 626,000 |
| Net income | 443,000 | 960,000 | 1,617,000 | 2,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,963,000 | 78,828,000 | 80,174,000 | 80,346,000 |
| Total capital | 82,415,000 | 83,310,000 | 84,575,000 | 84,728,000 |
| Risk-weighted assets | 475,761,000 | 472,463,000 | 486,534,000 | 486,651,000 |
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