−Removed: Company currently conducts business through our twenty-five banking offices, seventeen off-site ATMs and five seasonal/traveling
−Removed: The following table sets forth certain information regarding our properties as of December 31, 2021.
−Removed: As of this date, the
−Removed: premises and equipment, net of depreciation, owned by us had an aggregate net book value of $26.2 million.
−Removed: We believe that our
−Removed: existing facilities are sufficient for our current needs.
+Added: Company currently conducts business through our twenty-five banking offices, ten free-standing ATMs and an additional fourteen
+Added: free-standing and thirty-one seasonal or temporary ATMs that are owned and serviced by a third party, whereby the Bank pays a
+Added: rental fee and shares in the surcharge revenue.
+Added: The following table sets forth certain information regarding our properties as
+Added: of December 31, 2022.
+Added: As of this date, the premises and equipment, net of depreciation, owned by us had an aggregate net book
+Added: value of $25.0 million.
+Added: We believe that our existing facilities are sufficient for our current needs.
+Added: Technology Center:
Chapel Street
−Removed: Lending & Middle Market:
−Removed: Lending/Credit Admin and Training Center:
+Added: Retail Lending:
+Added: Commercial Lending & Middle Market:
+Added: Commercial Lending/Credit
+Added: Admin and Training Center:
Exchange Street
+Added: Branch Offices:
Springfield, MA
26 unchanged sentences
Western Avenue
+Added: Tenant at will
+Added: Tenant at will
College Highway
Cherry Street
+Added: Tenant at will
Springfield Street
+Added: Tenant at will
Visitors Center
3 unchanged sentences
Springfield, MA
−Removed: lease is for the land only, the building is owned by Westfield Bank.
+Added: Southampton Road
+Added: Memorial Avenue
+Added: Springfield, MA
+Added: Better Living
+Added: Better Living
+Added: Better Living
+Added: Center (Door 6)
+Added: Big E Coliseum
+Added: Big E Young Building
+Added: Big E Mallary
+Added: parking lot on this property is leased.
+Added: The lease expires in 2023 and the Company intends
+Added: to renew the lease.
+Added: (2) Thirty-one
+Added: of the Bank’s ATMs are seasonal and not listed individually above.
+Added: Thirty of the
+Added: seasonal ATMs are located on the Big E grounds during events and one additional ATM is
+Added: located in Westfield.
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.