Call reports 2021
ELMIRA SAVINGS BANK — 2021
What ELMIRA SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 659,570,000 | 648,893,000 | 643,804,000 | 632,395,000 |
| Total loans | 486,059,000 | 477,129,000 | 467,764,000 | 466,785,000 |
| Allowance for loan losses | 5,865,000 | 5,791,000 | 5,627,000 | 5,620,000 |
| Securities available for sale | 5,604,000 | 5,082,000 | 4,631,000 | 4,106,000 |
| Securities held to maturity | 6,537,000 | 6,339,000 | 6,219,000 | 6,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,028,000 | 552,584,000 | 547,694,000 | 537,940,000 |
| Interest-bearing deposits | 438,966,000 | 430,092,000 | 428,224,000 | 414,704,000 |
| Noninterest-bearing deposits | 122,062,000 | 122,492,000 | 119,470,000 | 123,236,000 |
| Equity capital | 61,412,000 | 62,325,000 | 63,346,000 | 63,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,424,000 | 10,482,000 | 15,727,000 | 20,591,000 |
| Interest expense | 903,000 | 1,621,000 | 2,158,000 | 2,585,000 |
| Net interest income | 4,521,000 | 8,861,000 | 13,569,000 | 18,006,000 |
| Noninterest income | 1,928,000 | 3,295,000 | 4,862,000 | 6,019,000 |
| Noninterest expense | 4,703,000 | 8,627,000 | 12,937,000 | 17,128,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 1,596,000 | 3,379,000 | 5,344,000 | 6,747,000 |
| Income tax | 392,000 | 773,000 | 1,227,000 | 1,528,000 |
| Net income | 1,204,000 | 2,606,000 | 4,117,000 | 5,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,820,000 | 52,799,000 | 53,886,000 | 54,555,000 |
| Total capital | 56,771,000 | 57,619,000 | 58,667,000 | 59,344,000 |
| Risk-weighted assets | 395,154,000 | 384,616,000 | 381,615,000 | 382,283,000 |