Call reports 2014
ELMIRA SAVINGS BANK — 2014
What ELMIRA SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 514,107,000 | 517,113,000 | 533,812,000 | 546,032,000 |
| Total loans | 393,607,000 | 397,034,000 | 411,135,000 | 418,209,000 |
| Allowance for loan losses | 3,851,000 | 3,783,000 | 3,928,000 | 3,974,000 |
| Securities available for sale | 57,688,000 | 54,813,000 | 62,261,000 | 65,624,000 |
| Securities held to maturity | 7,742,000 | 7,588,000 | 7,486,000 | 7,389,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,736,000 | 400,445,000 | 406,918,000 | 423,238,000 |
| Interest-bearing deposits | 338,169,000 | 338,697,000 | 337,515,000 | 360,671,000 |
| Noninterest-bearing deposits | 57,567,000 | 61,748,000 | 69,403,000 | 62,567,000 |
| Equity capital | 54,708,000 | 55,147,000 | 55,034,000 | 55,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,065,000 | 9,983,000 | 15,009,000 | 20,267,000 |
| Interest expense | 1,192,000 | 2,391,000 | 3,616,000 | 4,855,000 |
| Net interest income | 3,873,000 | 7,592,000 | 11,393,000 | 15,412,000 |
| Noninterest income | 1,073,000 | 2,157,000 | 3,314,000 | 4,372,000 |
| Noninterest expense | 3,563,000 | 6,923,000 | 11,114,000 | 14,539,000 |
| Provision for loan losses | 54,000 | 129,000 | 267,000 | 407,000 |
| Pretax income | 1,545,000 | 3,119,000 | 3,748,000 | 5,260,000 |
| Income tax | 485,000 | 960,000 | 1,114,000 | 1,590,000 |
| Net income | 1,060,000 | 2,159,000 | 2,634,000 | 3,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,532,000 | 44,004,000 | 43,977,000 | 44,391,000 |
| Total capital | 47,383,000 | 47,787,000 | 47,905,000 | 48,365,000 |
| Risk-weighted assets | 322,519,000 | 323,293,000 | 334,470,000 | 337,906,000 |