Call reports 2018
ELMIRA SAVINGS BANK — 2018
What ELMIRA SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 553,389,000 | 563,066,000 | 570,992,000 | 590,217,000 |
| Total loans | 452,586,000 | 454,450,000 | 469,681,000 | 483,841,000 |
| Allowance for loan losses | 4,433,000 | 4,362,000 | 4,421,000 | 4,372,000 |
| Securities available for sale | 23,009,000 | 22,374,000 | 21,631,000 | 25,051,000 |
| Securities held to maturity | 7,893,000 | 7,773,000 | 7,646,000 | 7,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,851,000 | 469,323,000 | 473,385,000 | 492,784,000 |
| Interest-bearing deposits | 382,821,000 | 391,963,000 | 394,476,000 | 410,491,000 |
| Noninterest-bearing deposits | 74,030,000 | 77,360,000 | 78,909,000 | 82,293,000 |
| Equity capital | 56,835,000 | 57,248,000 | 57,461,000 | 57,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,168,000 | 10,316,000 | 15,576,000 | 21,078,000 |
| Interest expense | 993,000 | 2,061,000 | 3,231,000 | 4,508,000 |
| Net interest income | 4,175,000 | 8,255,000 | 12,345,000 | 16,570,000 |
| Noninterest income | 1,168,000 | 2,332,000 | 3,508,000 | 4,621,000 |
| Noninterest expense | 3,886,000 | 7,652,000 | 11,565,000 | 15,597,000 |
| Provision for loan losses | 42,000 | 67,000 | 217,000 | 367,000 |
| Pretax income | 1,415,000 | 2,868,000 | 4,071,000 | 5,227,000 |
| Income tax | 284,000 | 574,000 | 767,000 | 988,000 |
| Net income | 1,131,000 | 2,294,000 | 3,304,000 | 4,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,984,000 | 47,479,000 | 47,796,000 | 48,109,000 |
| Total capital | 51,417,000 | 51,841,000 | 52,217,000 | 52,481,000 |
| Risk-weighted assets | 375,189,000 | 377,558,000 | 390,847,000 | 404,525,000 |