Elmira Savings Bank reported un-audited consolidated earnings results for the fourth quarter and year ended December 31, 2018. For the quarter, the company reported net interest income of $4.225 million compared to $4.142 million a year ago. Net income was $0.940 million compared to $1.454 million a year ago. Basic earnings per share were $0.27 per share compared to $0.37 a year ago. Total interest and dividend income was $5.502 million compared to $5.134 million a year ago.

For the year, the company reported net interest income of $16.570 million compared to $16.548 million a year ago. Net income was $4.244 million compared to $4.856 million a year ago. Basic earnings per share were $1.22 per share compared to $1.22 a year ago. Diluted earnings per share were $1.21 per share compared to $1.21 a year ago. Total interest and dividend income was $21.078 million compared to $20.546 million a year ago.

For the quarter, the company reported net charge-offs was $0.199 million against $0.528 million a year ago.