Call reports 2008
BANK OF YORK — 2008
What BANK OF YORK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 181,663,000 | 170,945,000 | 177,645,000 | 171,298,000 |
| Total loans | 103,925,000 | 104,217,000 | 104,811,000 | 106,243,000 |
| Allowance for loan losses | 1,070,000 | 1,092,000 | 991,000 | 1,061,000 |
| Securities available for sale | 28,259,000 | 29,690,000 | 31,047,000 | 40,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,001,000 | 142,842,000 | 149,904,000 | 144,416,000 |
| Interest-bearing deposits | 125,662,000 | 113,889,000 | 124,393,000 | 121,192,000 |
| Noninterest-bearing deposits | 28,339,000 | 28,953,000 | 25,511,000 | 23,224,000 |
| Equity capital | 23,632,000 | 23,691,000 | 24,426,000 | 23,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,598,000 | 5,056,000 | 7,476,000 | 9,848,000 |
| Interest expense | 833,000 | 1,595,000 | 2,280,000 | 2,950,000 |
| Net interest income | 1,765,000 | 3,461,000 | 5,196,000 | 6,898,000 |
| Noninterest income | 269,000 | 542,000 | 824,000 | 1,117,000 |
| Noninterest expense | 1,200,000 | 2,415,000 | 3,634,000 | 4,972,000 |
| Provision for loan losses | 30,000 | 65,000 | 73,000 | 299,000 |
| Pretax income | 805,000 | 1,526,000 | 2,317,000 | 2,748,000 |
| Income tax | 275,000 | 511,000 | 766,000 | 894,000 |
| Net income | 530,000 | 1,015,000 | 1,551,000 | 1,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,115,000 | 23,599,000 | 24,005,000 | 23,083,000 |
| Total capital | 24,185,000 | 24,691,000 | 24,996,000 | 24,144,000 |
| Risk-weighted assets | 116,697,000 | 114,729,000 | 109,943,000 | 114,199,000 |