Call reports 2002
YORK STATE BANK — 2002
What YORK STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 173,468,000 | 171,376,000 | 171,086,000 | 177,908,000 |
| Total loans | 120,389,000 | 120,782,000 | 122,391,000 | 129,767,000 |
| Allowance for loan losses | 1,125,000 | 1,157,000 | 1,183,000 | 1,221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,835,000 | 29,679,000 | 29,212,000 | 29,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,175,000 | 142,024,000 | 141,553,000 | 148,928,000 |
| Interest-bearing deposits | 132,768,000 | 131,422,000 | 130,722,000 | 135,969,000 |
| Noninterest-bearing deposits | 11,407,000 | 10,602,000 | 10,831,000 | 12,959,000 |
| Equity capital | 18,243,000 | 18,692,000 | 18,367,000 | 18,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,770,000 | 5,565,000 | 8,249,000 | 10,944,000 |
| Interest expense | 1,229,000 | 2,393,000 | 3,495,000 | 4,562,000 |
| Net interest income | 1,541,000 | 3,172,000 | 4,754,000 | 6,382,000 |
| Noninterest income | 272,000 | 552,000 | 809,000 | 1,123,000 |
| Noninterest expense | 1,134,000 | 2,296,000 | 3,431,000 | 4,667,000 |
| Provision for loan losses | 90,000 | 183,000 | 271,000 | 372,000 |
| Pretax income | 589,000 | 1,245,000 | 1,861,000 | 2,466,000 |
| Income tax | 183,000 | 390,000 | 581,000 | 768,000 |
| Net income | 406,000 | 855,000 | 1,280,000 | 1,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,145,000 | 13,594,000 | 13,269,000 | 13,187,000 |
| Total capital | 14,270,000 | 14,751,000 | 14,452,000 | 14,408,000 |
| Risk-weighted assets | 126,172,000 | 125,311,000 | 128,079,000 | 136,242,000 |