Call reports 2004
YORK STATE BANK — 2004
What YORK STATE BANK 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 | 184,674,000 | 188,855,000 | 184,993,000 | 183,734,000 |
| Total loans | 130,370,000 | 140,309,000 | 140,057,000 | 137,280,000 |
| Allowance for loan losses | 1,227,000 | 1,286,000 | 1,302,000 | 1,346,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,614,000 | 28,668,000 | 26,715,000 | 24,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,343,000 | 151,457,000 | 150,031,000 | 153,800,000 |
| Interest-bearing deposits | 140,420,000 | 138,677,000 | 136,767,000 | 139,610,000 |
| Noninterest-bearing deposits | 13,923,000 | 12,780,000 | 13,264,000 | 14,190,000 |
| Equity capital | 18,701,000 | 19,221,000 | 19,718,000 | 18,997,000 |
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 | 2,373,000 | 4,755,000 | 7,194,000 | 9,661,000 |
| Interest expense | 792,000 | 1,548,000 | 2,342,000 | 3,162,000 |
| Net interest income | 1,581,000 | 3,207,000 | 4,852,000 | 6,499,000 |
| Noninterest income | 309,000 | 676,000 | 1,012,000 | 1,337,000 |
| Noninterest expense | 1,146,000 | 2,281,000 | 3,449,000 | 4,745,000 |
| Provision for loan losses | 101,000 | 202,000 | 295,000 | 428,000 |
| Pretax income | 643,000 | 1,400,000 | 2,120,000 | 2,663,000 |
| Income tax | 194,000 | 431,000 | 654,000 | 818,000 |
| Net income | 449,000 | 969,000 | 1,466,000 | 1,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,603,000 | 14,123,000 | 14,620,000 | 13,899,000 |
| Total capital | 14,830,000 | 15,409,000 | 15,922,000 | 15,245,000 |
| Risk-weighted assets | 138,135,000 | 147,513,000 | 146,117,000 | 144,759,000 |