ELMIRA SAVINGS BANK (ESBK)

Compare to the relevant previous number. (Y2Y or Q2Q)

'Revenue' or 'Sales' is the total amount of money generated from business operations.

'Net Interest Income' describes the net returns generated from interest-yielding accounts for financial companies.

'Non Interest Income' is bank and creditor income derived primarily from fees.

'Loan Loss Provision' is an expense set aside to allow for uncollected loans and loan payments..

'Net Interest Income after Provision' is the interest income after the loan loss provision.

'Non Interest Expense' is an operating expense of a bank or financial institution that is classified separately from interest expense and provision for credit losses.

'Minority Interest Expense'.

'Income Before Taxes' is the total of Revenue minus expenses, before Tax.

'Income Tax' is the total Tax paid.

'Net Income' is the total profit or loss of the company.

'Earnings Per Share' or the Net Income Per Share outstanding, including all convertible securities for Total Operations

'Non GAAP Earnings Per Share, excluding any non-recurring item. This is the number used for EPS growth data and can be compared with analyst estimates for future periods.'

The 'Profit Margin' is the Net Profit compared to revenue as a percentage