Chicopee Savings Bank

Chicopee Savings Bank is headquartered in Chicopee and is the 44^th largest bank in the state of Massachusetts. It is also the 1,104^th largest bank in the nation. It was established in 1854 and as of March of 2012, it had grown to 128 employees at 8 locations. Chicopee Savings Bank's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Chicopee Savings Bank Routing Number: 211871866

Chicopee Savings Bank Checking Account Rates

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Data for Q1 2012

Institution Statistics Chicopee Savings Bank FDIC Certificate # 90179 BankRate Report View Year Established 1854 Employees 128 Primary Regulator FDIC Assets and Liabilities Assets $604.15 million Loans $451.19 million Deposits $452.83 million Equity Capital $79.25 million Loan Loss Allowance $4.45 million Unbacked Noncurrent Loans $3.74 million Real Estate Owned $901,000 Historic Data - March 2011 Assets $580.67 million Equity Capital $75.94 million Loan Loss Allowance $4.44 million Unbacked Noncurrent Loans $5.31 million Real Estate Owned $438,000 Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 0.29% Return on Equity 2.25% Interest Income $6.12 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Chicopee Savings Bank had $4.64 million in non-current loans and owned real-estate with $83.69 million in equity and loan loss allowances on hand to cover it. This gives Chicopee Savings Bank a Texas Ratio of 5.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chicopee Savings Bank decreased slightly from 7.15% as of March 31, 2011 to 5.55% as of March 31, 2012, resulting in a positive change of 22.47%.This indicates that the balance sheet and financial strength for Chicopee Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Chicopee Savings Bank has increased its total deposits by $39.04 million, resulting in 9.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Chicopee Savings Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Chicopee Savings Bank has $604.15 million in assets with $83.69 million in equity, resulting in a capitalization level of 13.85%, which is excellent.

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