Call reports 2016
CHICOPEE SAVINGS BANK — 2016
What CHICOPEE SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 690,741,000 | 701,005,000 | 723,903,000 |
| Total loans | 590,951,000 | 605,692,000 | 616,745,000 |
| Allowance for loan losses | 5,684,000 | 5,742,000 | 5,713,000 |
| Securities available for sale | 423,000 | 406,000 | 416,000 |
| Securities held to maturity | 31,908,000 | 31,591,000 | 31,190,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 530,516,000 | 545,355,000 | 566,559,000 |
| Interest-bearing deposits | 415,142,000 | 428,884,000 | 436,449,000 |
| Noninterest-bearing deposits | 115,374,000 | 116,471,000 | 130,110,000 |
| Equity capital | 79,815,000 | 77,719,000 | 78,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Interest income | 6,473,000 | 13,029,000 | 19,741,000 |
| Interest expense | 1,116,000 | 2,245,000 | 3,375,000 |
| Net interest income | 5,357,000 | 10,784,000 | 16,366,000 |
| Noninterest income | 646,000 | 1,436,000 | 2,270,000 |
| Noninterest expense | 4,890,000 | 9,670,000 | 14,564,000 |
| Provision for loan losses | 55,000 | 175,000 | 276,000 |
| Pretax income | 1,058,000 | 2,375,000 | 3,796,000 |
| Income tax | 353,000 | 915,000 | 1,574,000 |
| Net income | 705,000 | 1,460,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 79,178,000 | 76,973,000 | 77,897,000 |
| Total capital | 84,886,000 | 82,732,000 | 83,631,000 |
| Risk-weighted assets | 570,754,000 | 581,638,000 | 588,877,000 |