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Chicopee Savings Bank

Chicopee, MA · Cert 90179

FDIC · 9 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chicopee Savings Bank

Chicopee, MA · Cert 90179

FDIC · 9 branches

Q3 2016

$723.9MAssets
$616.7MLoans
$566.6MDeposits
$78.7MEquity
Loan mix
84%RE $395.3M15%C&I $72.2M1%Consumer $2.8MQ3 2015Q3 2016
Deposit mix
77%Interest-bearing $436.4M23%Noninterest $130.1MQ3 2015Q3 2016

NIM

3.85%Q3 ’143.73%Q3 ’153.76%Q3 ’16-3%+1%

Non-interest income vs. expense

3.03%Q3 ’142.81%Q3 ’152.77%Q3 ’16-8%-1%

Market Position · Springfield, MA · 2016 SOD (annual) · 4.0% share · #10 of 21 inst. · $0.5B of $13.8B

5.4% Hampden
0.9% Hampshire

Executive Summary

  • Earnings: ROA of 0.42%, up 1 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.12%, down 33 bps from a year ago.
  • Funding: loans stand at 108.86% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.42%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+4 bps YoY

Efficiency Ratio (YTD, annualized)

78.15%-156 bps YoY

Tier 1 Leverage Ratio

11.12%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.42%0.48%0.41%0.42%0.42%+1 bps
Return on Equity3.65%4.16%3.55%3.70%3.76%+11 bps
Net Interest Margin3.07%3.02%3.14%3.11%3.12%+4 bps
Efficiency Ratio79.71%78.24%81.46%79.13%78.15%-156 bps
Non-Interest Burden2.36%2.27%2.49%2.38%2.34%-2 bps
Growth
Asset Growth (YoY)11.25%6.23%4.79%4.48%4.33%-693 bps
Loan Growth (YoY)13.07%11.85%8.28%5.84%5.98%-709 bps
Deposit Growth (YoY)10.27%4.20%7.33%9.59%8.75%-152 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.04%-0.01%0.02%0.04%0 bps
Allowance / Loans0.95%0.96%0.96%0.95%0.93%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.45%11.33%11.61%11.11%11.12%-33 bps
Total Risk-Based Capital14.54%14.70%14.87%14.22%14.20%-34 bps
Equity / Assets11.19%11.66%11.55%11.09%10.86%-33 bps
Liquidity & Funding
Loans / Deposits111.70%115.00%111.39%111.06%108.86%-285 bps
Liquid Assets / Assets8.77%6.77%7.93%7.49%8.14%-64 bps
CRE / Total Capitaln/an/an/an/an/an/an/a