Call reports 2017
ELMIRA SAVINGS BANK — 2017
What ELMIRA SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 556,770,000 | 574,447,000 | 565,204,000 | 554,686,000 |
| Total loans | 451,821,000 | 456,609,000 | 450,004,000 | 460,754,000 |
| Allowance for loan losses | 4,287,000 | 4,298,000 | 4,390,000 | 4,442,000 |
| Securities available for sale | 30,468,000 | 27,383,000 | 26,182,000 | 24,056,000 |
| Securities held to maturity | 8,374,000 | 8,245,000 | 8,160,000 | 8,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,648,000 | 462,265,000 | 456,839,000 | 457,660,000 |
| Interest-bearing deposits | 380,248,000 | 384,724,000 | 380,707,000 | 383,076,000 |
| Noninterest-bearing deposits | 72,400,000 | 77,541,000 | 76,132,000 | 74,584,000 |
| Equity capital | 56,052,000 | 65,228,000 | 65,539,000 | 56,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,168,000 | 10,341,000 | 15,412,000 | 20,546,000 |
| Interest expense | 995,000 | 1,982,000 | 3,006,000 | 3,998,000 |
| Net interest income | 4,173,000 | 8,359,000 | 12,406,000 | 16,548,000 |
| Noninterest income | 1,281,000 | 2,643,000 | 4,265,000 | 5,473,000 |
| Noninterest expense | 3,848,000 | 7,639,000 | 11,395,000 | 15,920,000 |
| Provision for loan losses | 40,000 | 195,000 | 315,000 | 895,000 |
| Pretax income | 1,566,000 | 3,168,000 | 4,961,000 | 5,206,000 |
| Income tax | 487,000 | 981,000 | 1,559,000 | 350,000 |
| Net income | 1,079,000 | 2,187,000 | 3,402,000 | 4,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,650,000 | 55,813,000 | 56,232,000 | 46,500,000 |
| Total capital | 50,937,000 | 60,111,000 | 60,622,000 | 50,942,000 |
| Risk-weighted assets | 356,246,000 | 359,443,000 | 360,401,000 | 379,717,000 |