Call reports 2013
ELMIRA SAVINGS BANK — 2013
What ELMIRA SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 510,984,000 | 516,198,000 | 519,807,000 | 514,388,000 |
| Total loans | 377,017,000 | 388,606,000 | 387,858,000 | 391,039,000 |
| Allowance for loan losses | 3,724,000 | 3,809,000 | 3,819,000 | 3,834,000 |
| Securities available for sale | 62,891,000 | 59,653,000 | 59,309,000 | 63,464,000 |
| Securities held to maturity | 6,002,000 | 6,633,000 | 7,601,000 | 7,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,793,000 | 399,051,000 | 398,018,000 | 398,843,000 |
| Interest-bearing deposits | 337,148,000 | 337,509,000 | 334,891,000 | 338,460,000 |
| Noninterest-bearing deposits | 58,645,000 | 61,542,000 | 63,127,000 | 60,383,000 |
| Equity capital | 56,621,000 | 56,690,000 | 57,234,000 | 53,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,105,000 | 10,111,000 | 15,186,000 | 20,253,000 |
| Interest expense | 1,306,000 | 2,600,000 | 3,905,000 | 5,200,000 |
| Net interest income | 3,799,000 | 7,511,000 | 11,281,000 | 15,053,000 |
| Noninterest income | 1,437,000 | 2,867,000 | 4,340,000 | 5,519,000 |
| Noninterest expense | 3,389,000 | 6,885,000 | 10,312,000 | 13,885,000 |
| Provision for loan losses | 180,000 | 265,000 | 315,000 | 315,000 |
| Pretax income | 1,728,000 | 3,289,000 | 5,055,000 | 6,433,000 |
| Income tax | 536,000 | 723,000 | 1,120,000 | 1,374,000 |
| Net income | 1,192,000 | 2,566,000 | 3,935,000 | 5,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,059,000 | 44,843,000 | 45,623,000 | 42,727,000 |
| Total capital | 47,783,000 | 48,652,000 | 49,442,000 | 46,561,000 |
| Risk-weighted assets | 312,225,000 | 316,991,000 | 318,722,000 | 321,103,000 |
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