Call reports 2015
CHICOPEE SAVINGS BANK — 2015
What CHICOPEE SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 659,177,000 | 670,932,000 | 693,891,000 | 677,303,000 |
| Total loans | 545,763,000 | 572,288,000 | 581,952,000 | 586,925,000 |
| Allowance for loan losses | 5,184,000 | 5,399,000 | 5,511,000 | 5,615,000 |
| Securities available for sale | 399,000 | 400,000 | 405,000 | 426,000 |
| Securities held to maturity | 33,424,000 | 33,101,000 | 32,784,000 | 32,229,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 494,271,000 | 497,620,000 | 520,978,000 | 510,386,000 |
| Interest-bearing deposits | 398,066,000 | 403,922,000 | 400,235,000 | 407,954,000 |
| Noninterest-bearing deposits | 96,205,000 | 93,698,000 | 120,743,000 | 102,432,000 |
| Equity capital | 75,610,000 | 76,541,000 | 77,678,000 | 78,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,999,000 | 12,273,000 | 18,705,000 | 25,201,000 |
| Interest expense | 1,065,000 | 2,175,000 | 3,288,000 | 4,429,000 |
| Net interest income | 4,934,000 | 10,098,000 | 15,417,000 | 20,772,000 |
| Noninterest income | 642,000 | 1,390,000 | 2,268,000 | 3,028,000 |
| Noninterest expense | 4,757,000 | 9,401,000 | 14,097,000 | 18,620,000 |
| Provision for loan losses | 400,000 | 607,000 | 743,000 | 941,000 |
| Pretax income | 419,000 | 1,480,000 | 2,845,000 | 4,239,000 |
| Income tax | 86,000 | 372,000 | 756,000 | 1,042,000 |
| Net income | 333,000 | 1,108,000 | 2,089,000 | 3,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,538,000 | 75,469,000 | 76,602,000 | 77,862,000 |
| Total capital | 79,736,000 | 80,882,000 | 82,129,000 | 83,502,000 |
| Risk-weighted assets | 534,163,000 | 556,894,000 | 564,743,000 | 568,223,000 |