Call reports 2020
ELMIRA SAVINGS BANK — 2020
What ELMIRA SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 598,213,000 | 676,049,000 | 674,281,000 | 644,777,000 |
| Total loans | 514,305,000 | 527,829,000 | 521,102,000 | 489,367,000 |
| Allowance for loan losses | 4,566,000 | 5,025,000 | 5,418,000 | 5,755,000 |
| Securities available for sale | 8,779,000 | 6,962,000 | 6,456,000 | 6,125,000 |
| Securities held to maturity | 6,935,000 | 6,783,000 | 6,716,000 | 6,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,354,000 | 552,375,000 | 552,674,000 | 547,852,000 |
| Interest-bearing deposits | 418,140,000 | 441,546,000 | 444,305,000 | 437,540,000 |
| Noninterest-bearing deposits | 84,214,000 | 110,829,000 | 108,369,000 | 110,312,000 |
| Equity capital | 58,994,000 | 59,446,000 | 59,910,000 | 60,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,917,000 | 11,616,000 | 16,992,000 | 22,480,000 |
| Interest expense | 1,636,000 | 3,198,000 | 4,722,000 | 5,900,000 |
| Net interest income | 4,281,000 | 8,418,000 | 12,270,000 | 16,580,000 |
| Noninterest income | 1,138,000 | 2,888,000 | 4,979,000 | 7,111,000 |
| Noninterest expense | 4,080,000 | 8,267,000 | 12,585,000 | 16,989,000 |
| Provision for loan losses | 50,000 | 625,000 | 1,075,000 | 1,450,000 |
| Pretax income | 1,289,000 | 2,414,000 | 3,589,000 | 5,252,000 |
| Income tax | 271,000 | 487,000 | 714,000 | 1,093,000 |
| Net income | 1,018,000 | 1,927,000 | 2,875,000 | 4,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,160,000 | 49,652,000 | 50,182,000 | 51,049,000 |
| Total capital | 53,726,000 | 54,677,000 | 55,438,000 | 56,044,000 |
| Risk-weighted assets | 432,719,000 | 425,566,000 | 420,334,000 | 398,816,000 |
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