Call reports 2005
BANK OF YORK — 2005
What BANK OF YORK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 148,327,000 | 143,265,000 | 146,216,000 | 191,967,000 |
| Total loans | 87,353,000 | 87,590,000 | 85,957,000 | 88,887,000 |
| Allowance for loan losses | 970,000 | 972,000 | 972,000 | 985,000 |
| Securities available for sale | 19,702,000 | 22,821,000 | 25,209,000 | 27,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,949,000 | 119,390,000 | 122,417,000 | 168,042,000 |
| Interest-bearing deposits | 102,705,000 | 97,324,000 | 96,846,000 | 142,899,000 |
| Noninterest-bearing deposits | 22,244,000 | 22,066,000 | 25,571,000 | 25,143,000 |
| Equity capital | 21,052,000 | 21,657,000 | 21,396,000 | 20,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,942,000 | 3,947,000 | 6,039,000 | 8,244,000 |
| Interest expense | 288,000 | 603,000 | 960,000 | 1,374,000 |
| Net interest income | 1,654,000 | 3,344,000 | 5,079,000 | 6,870,000 |
| Noninterest income | 296,000 | 515,000 | 743,000 | 984,000 |
| Noninterest expense | 992,000 | 1,994,000 | 2,980,000 | 4,125,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 937,000 | 1,823,000 | 2,779,000 | 3,642,000 |
| Income tax | 317,000 | 618,000 | 942,000 | 1,234,000 |
| Net income | 620,000 | 1,205,000 | 1,837,000 | 2,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,912,000 | 21,416,000 | 21,191,000 | 20,683,000 |
| Total capital | 21,882,000 | 22,388,000 | 22,163,000 | 21,668,000 |
| Risk-weighted assets | 97,608,000 | 97,931,000 | 98,114,000 | 108,861,000 |
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