Elmira Savings Bank announced earnings results for the fourth quarter ended December 31, 2019. For the fourth quarter, the company announced net interest income was USD 4.159 million compared to USD 4.225 million a year ago. Net income was USD 940,000 compared to USD 935,000 a year ago. Basic earnings per share was USD 0.27 compared to USD 0.27 a year ago. For the full year, net interest income was USD 16.428 million compared to USD 16.570 million a year ago. Net income was USD 3.486 million compared to USD 4.239 million a year ago. Basic earnings per share was USD 1 compared to USD 1.22 a year ago. Diluted earnings per share was USD 1 compared to USD 1.21 a year ago.