Call reports 2005
YORK STATE BANK — 2005
What YORK STATE BANK 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 | 186,522,000 | 185,576,000 | 186,414,000 | 183,918,000 |
| Total loans | 138,337,000 | 139,830,000 | 140,648,000 | 139,616,000 |
| Allowance for loan losses | 1,348,000 | 1,413,000 | 1,389,000 | 1,381,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,497,000 | 31,491,000 | 29,090,000 | 24,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,630,000 | 153,963,000 | 153,211,000 | 158,373,000 |
| Interest-bearing deposits | 140,587,000 | 140,317,000 | 139,486,000 | 142,633,000 |
| Noninterest-bearing deposits | 15,043,000 | 13,646,000 | 13,725,000 | 15,740,000 |
| Equity capital | 19,424,000 | 19,275,000 | 19,124,000 | 19,204,000 |
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 | 2,452,000 | 5,024,000 | 7,632,000 | 10,379,000 |
| Interest expense | 862,000 | 1,776,000 | 2,764,000 | 3,816,000 |
| Net interest income | 1,590,000 | 3,248,000 | 4,868,000 | 6,563,000 |
| Noninterest income | 312,000 | 619,000 | 956,000 | 1,273,000 |
| Noninterest expense | 1,201,000 | 2,423,000 | 3,663,000 | 4,904,000 |
| Provision for loan losses | 84,000 | 174,000 | 238,000 | 308,000 |
| Pretax income | 617,000 | 1,270,000 | 1,923,000 | 2,624,000 |
| Income tax | 190,000 | 392,000 | 596,000 | 817,000 |
| Net income | 427,000 | 878,000 | 1,327,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,326,000 | 14,177,000 | 14,026,000 | 14,106,000 |
| Total capital | 15,674,000 | 15,590,000 | 15,415,000 | 15,487,000 |
| Risk-weighted assets | 145,056,000 | 146,003,000 | 146,331,000 | 147,092,000 |