Call reports 2015
ELMIRA SAVINGS BANK — 2015
What ELMIRA SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 562,328,000 | 573,008,000 | 566,361,000 | 561,485,000 |
| Total loans | 422,815,000 | 440,203,000 | 446,336,000 | 455,137,000 |
| Allowance for loan losses | 4,002,000 | 4,028,000 | 4,082,000 | 4,148,000 |
| Securities available for sale | 57,374,000 | 58,422,000 | 50,509,000 | 42,709,000 |
| Securities held to maturity | 7,276,000 | 9,213,000 | 9,132,000 | 9,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 428,385,000 | 440,596,000 | 443,599,000 | 441,849,000 |
| Interest-bearing deposits | 363,374,000 | 371,316,000 | 370,741,000 | 374,327,000 |
| Noninterest-bearing deposits | 65,011,000 | 69,280,000 | 72,858,000 | 67,522,000 |
| Equity capital | 55,764,000 | 54,180,000 | 54,604,000 | 54,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,094,000 | 10,227,000 | 15,428,000 | 20,734,000 |
| Interest expense | 1,270,000 | 2,573,000 | 3,922,000 | 5,100,000 |
| Net interest income | 3,824,000 | 7,654,000 | 11,506,000 | 15,634,000 |
| Noninterest income | 1,037,000 | 2,191,000 | 3,726,000 | 5,118,000 |
| Noninterest expense | 3,574,000 | 7,096,000 | 10,817,000 | 14,604,000 |
| Provision for loan losses | 50,000 | 190,000 | 360,000 | 630,000 |
| Pretax income | 1,441,000 | 2,843,000 | 4,339,000 | 5,802,000 |
| Income tax | 431,000 | 814,000 | 1,253,000 | 1,675,000 |
| Net income | 1,010,000 | 2,029,000 | 3,086,000 | 4,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,967,000 | 43,863,000 | 44,216,000 | 44,538,000 |
| Total capital | 48,969,000 | 47,891,000 | 48,298,000 | 48,686,000 |
| Risk-weighted assets | 337,597,000 | 351,783,000 | 351,343,000 | 359,406,000 |