Call reports 2016
ELMIRA SAVINGS BANK — 2016
What ELMIRA SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 560,213,000 | 574,883,000 | 567,639,000 | 573,573,000 |
| Total loans | 459,157,000 | 472,425,000 | 464,243,000 | 459,652,000 |
| Allowance for loan losses | 4,214,000 | 4,285,000 | 4,319,000 | 4,263,000 |
| Securities available for sale | 37,492,000 | 34,264,000 | 35,250,000 | 32,581,000 |
| Securities held to maturity | 8,910,000 | 8,725,000 | 8,645,000 | 8,519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,553,000 | 472,536,000 | 464,185,000 | 470,257,000 |
| Interest-bearing deposits | 378,830,000 | 401,160,000 | 391,522,000 | 399,385,000 |
| Noninterest-bearing deposits | 65,723,000 | 71,376,000 | 72,663,000 | 70,872,000 |
| Equity capital | 54,986,000 | 55,329,000 | 55,740,000 | 55,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,233,000 | 10,424,000 | 15,690,000 | 20,889,000 |
| Interest expense | 1,133,000 | 2,270,000 | 3,325,000 | 4,369,000 |
| Net interest income | 4,100,000 | 8,154,000 | 12,365,000 | 16,520,000 |
| Noninterest income | 1,187,000 | 2,630,000 | 4,355,000 | 5,748,000 |
| Noninterest expense | 3,863,000 | 7,760,000 | 11,744,000 | 15,630,000 |
| Provision for loan losses | 140,000 | 225,000 | 312,000 | 487,000 |
| Pretax income | 1,464,000 | 2,979,000 | 4,844,000 | 6,331,000 |
| Income tax | 428,000 | 886,000 | 1,549,000 | 1,989,000 |
| Net income | 1,036,000 | 2,093,000 | 3,295,000 | 4,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,886,000 | 45,247,000 | 45,806,000 | 46,207,000 |
| Total capital | 49,100,000 | 49,532,000 | 50,125,000 | 50,470,000 |
| Risk-weighted assets | 360,627,000 | 367,433,000 | 363,771,000 | 361,520,000 |