Call reports 2004
BANK OF YORK — 2004
What BANK OF YORK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 141,716,000 | 136,408,000 | 152,198,000 | 193,625,000 |
| Total loans | 83,973,000 | 85,962,000 | 83,463,000 | 84,462,000 |
| Allowance for loan losses | 988,000 | 938,000 | 951,000 | 966,000 |
| Securities available for sale | 13,609,000 | 18,407,000 | 15,531,000 | 17,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,600,000 | 113,451,000 | 128,465,000 | 170,600,000 |
| Interest-bearing deposits | 98,335,000 | 92,155,000 | 106,564,000 | 148,803,000 |
| Noninterest-bearing deposits | 20,265,000 | 21,296,000 | 21,901,000 | 21,797,000 |
| Equity capital | 20,695,000 | 20,973,000 | 21,685,000 | 20,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,422,000 | 5,204,000 | 7,134,000 |
| Interest expense | 262,000 | 518,000 | 771,000 | 1,049,000 |
| Net interest income | 1,471,000 | 2,904,000 | 4,433,000 | 6,085,000 |
| Noninterest income | 314,000 | 593,000 | 898,000 | 1,173,000 |
| Noninterest expense | 977,000 | 1,932,000 | 2,897,000 | 4,012,000 |
| Provision for loan losses | 32,000 | 63,000 | 84,000 | 105,000 |
| Pretax income | 776,000 | 1,502,000 | 2,350,000 | 3,141,000 |
| Income tax | 265,000 | 484,000 | 780,000 | 1,062,000 |
| Net income | 511,000 | 1,018,000 | 1,570,000 | 2,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,313,000 | 20,702,000 | 21,235,000 | 20,271,000 |
| Total capital | 21,301,000 | 21,640,000 | 22,186,000 | 21,237,000 |
| Risk-weighted assets | 91,884,000 | 91,845,000 | 88,147,000 | 103,561,000 |
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