Call reports 2012
ELMIRA SAVINGS BANK — 2012
What ELMIRA SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 519,692,000 | 530,700,000 | 534,256,000 | 537,004,000 |
| Total loans | 351,538,000 | 365,935,000 | 377,039,000 | 381,342,000 |
| Allowance for loan losses | 3,434,000 | 3,556,000 | 3,729,000 | 3,740,000 |
| Securities available for sale | 80,737,000 | 73,719,000 | 68,605,000 | 66,875,000 |
| Securities held to maturity | 4,456,000 | 4,336,000 | 4,202,000 | 5,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 384,828,000 | 400,176,000 | 407,495,000 | 410,420,000 |
| Interest-bearing deposits | 334,167,000 | 344,361,000 | 348,189,000 | 348,438,000 |
| Noninterest-bearing deposits | 50,661,000 | 55,815,000 | 59,306,000 | 61,982,000 |
| Equity capital | 64,892,000 | 65,570,000 | 66,492,000 | 66,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,349,000 | 10,619,000 | 15,856,000 | 20,985,000 |
| Interest expense | 1,581,000 | 3,079,000 | 4,506,000 | 5,896,000 |
| Net interest income | 3,768,000 | 7,540,000 | 11,350,000 | 15,089,000 |
| Noninterest income | 1,167,000 | 2,624,000 | 4,348,000 | 5,876,000 |
| Noninterest expense | 3,132,000 | 6,273,000 | 9,545,000 | 12,845,000 |
| Provision for loan losses | 125,000 | 267,000 | 421,000 | 463,000 |
| Pretax income | 1,678,000 | 3,699,000 | 5,807,000 | 7,732,000 |
| Income tax | 520,000 | 1,183,000 | 1,893,000 | 2,514,000 |
| Net income | 1,158,000 | 2,516,000 | 3,914,000 | 5,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,663,000 | 52,392,000 | 53,266,000 | 53,961,000 |
| Total capital | 55,097,000 | 55,948,000 | 56,995,000 | 57,701,000 |
| Risk-weighted assets | 298,691,000 | 306,069,000 | 313,865,000 | 317,041,000 |