Call reports 2014
CHICOPEE SAVINGS BANK — 2014
What CHICOPEE SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 598,729,000 | 604,933,000 | 623,716,000 | 637,579,000 |
| Total loans | 493,165,000 | 513,302,000 | 514,680,000 | 524,734,000 |
| Allowance for loan losses | 4,462,000 | 4,691,000 | 4,922,000 | 4,927,000 |
| Securities available for sale | 407,000 | 406,000 | 383,000 | 414,000 |
| Securities held to maturity | 34,945,000 | 34,622,000 | 34,298,000 | 33,747,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,131,000 | 461,958,000 | 472,443,000 | 489,813,000 |
| Interest-bearing deposits | 365,519,000 | 366,002,000 | 365,778,000 | 391,867,000 |
| Noninterest-bearing deposits | 94,612,000 | 95,956,000 | 106,665,000 | 97,946,000 |
| Equity capital | 80,511,000 | 78,862,000 | 79,526,000 | 75,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,624,000 | 11,408,000 | 17,342,000 | 23,354,000 |
| Interest expense | 1,021,000 | 2,035,000 | 3,040,000 | 4,056,000 |
| Net interest income | 4,603,000 | 9,373,000 | 14,302,000 | 19,298,000 |
| Noninterest income | 555,000 | 1,266,000 | 2,166,000 | 2,782,000 |
| Noninterest expense | 4,503,000 | 9,064,000 | 13,687,000 | 18,085,000 |
| Provision for loan losses | 2,201,000 | 4,975,000 | 5,202,000 | 5,271,000 |
| Pretax income | -1,512,000 | -3,366,000 | -2,387,000 | -1,242,000 |
| Income tax | -174,000 | -1,994,000 | -1,543,000 | -826,000 |
| Net income | -1,338,000 | -1,372,000 | -844,000 | -416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,451,000 | 78,805,000 | 79,487,000 | 73,390,000 |
| Total capital | 84,930,000 | 83,513,000 | 84,415,000 | 78,337,000 |
| Risk-weighted assets | 494,004,000 | 515,813,000 | 513,508,000 | 520,957,000 |
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