Elmira Savings Bank reported un-audited consolidated earnings results for the fourth quarter and year ended December 31, 2016. For the quarter, the company reported total interest and dividend income of $5.198 million compared to $5.306 million, net interest income of $4.155 million compared to $4.128 million, income before income taxes of $1.487 million compared to $1.463 million and net income attributable to the company of $1,042 million or $0.30 per diluted share compared to $1,036 million or $0.3 per diluted share for the last year. This increase was the net result of a decrease in the provision for loan losses of $95,000, an increase in net interest income of $27,000, and an increase in noninterest income of $13,000, offset by an increase in noninterest expense of $111,000 and an increase in income tax expense of $18,000. Annualized return on average assets was 0.73% compared to 0.73% and annualized return on average equity (annualized) was 7.38% compared to 7.46% for the last year. For the year, the company reported total interest and dividend income of $20.888 million compared to $20.734 million, net interest income of $16.520 million compared to $15.634 million, income before income taxes of $6.331 million compared to $5.802 million and net income attributable to the common shareholders of $4.337 million or $1.25 per diluted share compared to $4.122 million or $1.17 per diluted share for the last year. The current level of shareholders' equity equates to a book value per share of $16.74 at December 31, 2016, compared to $16.53 at December 31, 2015. Annualized return on average assets was 0.76% compared to 0.73% and annualized return on average equity (annualized) was 7.77% compared to 7.43% for the last year.