Call reports 2019
ELMIRA SAVINGS BANK — 2019
What ELMIRA SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 596,831,000 | 610,578,000 | 615,868,000 | 607,045,000 |
| Total loans | 490,229,000 | 502,224,000 | 519,917,000 | 520,442,000 |
| Allowance for loan losses | 4,387,000 | 4,444,000 | 4,559,000 | 4,576,000 |
| Securities available for sale | 24,658,000 | 22,615,000 | 14,302,000 | 11,802,000 |
| Securities held to maturity | 7,438,000 | 7,254,000 | 7,160,000 | 7,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,727,000 | 517,836,000 | 522,520,000 | 512,586,000 |
| Interest-bearing deposits | 423,689,000 | 435,945,000 | 439,199,000 | 429,931,000 |
| Noninterest-bearing deposits | 77,038,000 | 81,891,000 | 83,321,000 | 82,655,000 |
| Equity capital | 58,181,000 | 58,307,000 | 58,372,000 | 58,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,571,000 | 11,397,000 | 17,305,000 | 23,261,000 |
| Interest expense | 1,471,000 | 3,200,000 | 5,036,000 | 6,833,000 |
| Net interest income | 4,100,000 | 8,197,000 | 12,269,000 | 16,428,000 |
| Noninterest income | 998,000 | 2,115,000 | 3,331,000 | 4,705,000 |
| Noninterest expense | 3,867,000 | 8,063,000 | 12,109,000 | 16,304,000 |
| Provision for loan losses | 132,000 | 294,000 | 544,000 | 744,000 |
| Pretax income | 1,099,000 | 1,955,000 | 3,037,000 | 4,175,000 |
| Income tax | 172,000 | 310,000 | 491,000 | 689,000 |
| Net income | 927,000 | 1,645,000 | 2,546,000 | 3,486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,341,000 | 48,362,000 | 48,562,000 | 48,797,000 |
| Total capital | 52,728,000 | 52,806,000 | 53,121,000 | 53,373,000 |
| Risk-weighted assets | 411,196,000 | 422,189,000 | 437,180,000 | 438,326,000 |
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