Call reports 2015
BANK OF YORK — 2015
What BANK OF YORK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 105,382,000 | 103,762,000 | 103,654,000 | 104,840,000 |
| Total loans | 35,518,000 | 37,593,000 | 35,649,000 | 36,844,000 |
| Allowance for loan losses | 352,000 | 319,000 | 331,000 | 314,000 |
| Securities available for sale | 59,199,000 | 53,468,000 | 52,991,000 | 55,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,965,000 | 73,245,000 | 74,321,000 | 74,543,000 |
| Interest-bearing deposits | 58,180,000 | 58,141,000 | 58,361,000 | 57,364,000 |
| Noninterest-bearing deposits | 15,785,000 | 15,103,000 | 15,960,000 | 17,179,000 |
| Equity capital | 10,976,000 | 10,645,000 | 10,976,000 | 10,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 805,000 | 1,607,000 | 2,408,000 | 3,195,000 |
| Interest expense | 147,000 | 291,000 | 437,000 | 584,000 |
| Net interest income | 658,000 | 1,316,000 | 1,971,000 | 2,611,000 |
| Noninterest income | 155,000 | 294,000 | 435,000 | 578,000 |
| Noninterest expense | 632,000 | 1,251,000 | 1,901,000 | 2,517,000 |
| Provision for loan losses | 9,000 | 24,000 | 33,000 | 13,000 |
| Pretax income | 174,000 | 355,000 | 525,000 | 732,000 |
| Income tax | 11,000 | 16,000 | 27,000 | 37,000 |
| Net income | 163,000 | 339,000 | 498,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,733,000 | 9,908,000 | 10,068,000 | 9,743,000 |
| Total capital | 10,085,000 | 10,227,000 | 10,399,000 | 10,057,000 |
| Risk-weighted assets | 48,572,000 | 48,155,000 | 49,317,000 | 51,589,000 |