Call reports 2013
CHICOPEE SAVINGS BANK — 2013
What CHICOPEE SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 585,567,000 | 596,225,000 | 604,089,000 | 586,661,000 |
| Total loans | 463,330,000 | 461,188,000 | 465,932,000 | 490,367,000 |
| Allowance for loan losses | 4,325,000 | 4,335,000 | 4,439,000 | 4,596,000 |
| Securities available for sale | 634,000 | 602,000 | 631,000 | 602,000 |
| Securities held to maturity | 47,423,000 | 52,565,000 | 46,746,000 | 40,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,107,000 | 472,924,000 | 488,289,000 | 453,750,000 |
| Interest-bearing deposits | 383,697,000 | 399,760,000 | 385,456,000 | 362,865,000 |
| Noninterest-bearing deposits | 72,410,000 | 73,164,000 | 102,833,000 | 90,885,000 |
| Equity capital | 79,222,000 | 79,912,000 | 80,688,000 | 81,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,895,000 | 11,687,000 | 17,398,000 | 23,069,000 |
| Interest expense | 1,248,000 | 2,494,000 | 3,662,000 | 4,740,000 |
| Net interest income | 4,647,000 | 9,193,000 | 13,736,000 | 18,329,000 |
| Noninterest income | 842,000 | 1,629,000 | 2,393,000 | 3,063,000 |
| Noninterest expense | 4,459,000 | 8,974,000 | 13,359,000 | 17,405,000 |
| Provision for loan losses | -69,000 | 58,000 | 270,000 | 425,000 |
| Pretax income | 1,099,000 | 1,790,000 | 2,500,000 | 3,599,000 |
| Income tax | 238,000 | 380,000 | 498,000 | 745,000 |
| Net income | 861,000 | 1,410,000 | 2,002,000 | 2,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,764,000 | 79,853,000 | 79,774,000 | 81,299,000 |
| Total capital | 82,113,000 | 84,197,000 | 84,236,000 | 85,931,000 |
| Risk-weighted assets | 483,790,000 | 487,343,000 | 491,612,000 | 491,732,000 |
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