Call reports 2011
ELMIRA SAVINGS BANK — 2011
What ELMIRA SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q4 |
|---|---|
| Total assets | 523,397,000 |
| Total loans | 348,863,000 |
| Allowance for loan losses | 3,299,000 |
| Securities available for sale | 86,536,000 |
| Securities held to maturity | 4,621,000 |
| Trading assets | 0 |
| Total deposits | 382,041,000 |
| Interest-bearing deposits | 328,844,000 |
| Noninterest-bearing deposits | 53,197,000 |
| Equity capital | 64,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q4 |
|---|---|
| Interest income | 22,100,000 |
| Interest expense | 6,550,000 |
| Net interest income | 15,550,000 |
| Noninterest income | 4,292,000 |
| Noninterest expense | 12,220,000 |
| Provision for loan losses | 668,000 |
| Pretax income | 7,402,000 |
| Income tax | 2,373,000 |
| Net income | 5,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q4 |
|---|---|
| Tier 1 capital | 51,176,000 |
| Total capital | 54,475,000 |
| Risk-weighted assets | 292,149,000 |