Call reports 2003
YORK STATE BANK — 2003
What YORK STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 179,487,000 | 182,848,000 | 182,270,000 | 184,092,000 |
| Total loans | 124,912,000 | 123,742,000 | 134,292,000 | 133,733,000 |
| Allowance for loan losses | 1,179,000 | 1,205,000 | 1,212,000 | 1,231,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,618,000 | 29,607,000 | 30,631,000 | 29,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,023,000 | 154,494,000 | 152,547,000 | 153,370,000 |
| Interest-bearing deposits | 136,416,000 | 139,557,000 | 140,094,000 | 138,645,000 |
| Noninterest-bearing deposits | 13,607,000 | 14,937,000 | 12,453,000 | 14,725,000 |
| Equity capital | 18,807,000 | 18,545,000 | 19,005,000 | 18,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,519,000 | 5,015,000 | 7,506,000 | 10,008,000 |
| Interest expense | 971,000 | 1,913,000 | 2,791,000 | 3,612,000 |
| Net interest income | 1,548,000 | 3,102,000 | 4,715,000 | 6,396,000 |
| Noninterest income | 420,000 | 740,000 | 1,073,000 | 1,414,000 |
| Noninterest expense | 1,121,000 | 2,269,000 | 3,459,000 | 4,762,000 |
| Provision for loan losses | 85,000 | 178,000 | 270,000 | 356,000 |
| Pretax income | 762,000 | 1,395,000 | 2,059,000 | 2,692,000 |
| Income tax | 240,000 | 435,000 | 639,000 | 825,000 |
| Net income | 522,000 | 960,000 | 1,420,000 | 1,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,709,000 | 13,447,000 | 13,907,000 | 13,654,000 |
| Total capital | 14,888,000 | 14,652,000 | 15,119,000 | 14,885,000 |
| Risk-weighted assets | 132,752,000 | 132,002,000 | 140,551,000 | 141,437,000 |