Call reports 2006
YORK STATE BANK — 2006
What YORK STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 181,522,000 | 146,423,000 | 140,802,000 | 141,830,000 |
| Total loans | 136,737,000 | 115,472,000 | 104,477,000 | 109,711,000 |
| Allowance for loan losses | 1,360,000 | 1,359,000 | 1,354,000 | 1,346,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,232,000 | 18,204,000 | 16,170,000 | 14,345,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,945,000 | 124,299,000 | 120,848,000 | 123,824,000 |
| Interest-bearing deposits | 144,715,000 | 114,803,000 | 112,031,000 | 112,411,000 |
| Noninterest-bearing deposits | 13,230,000 | 9,496,000 | 8,817,000 | 11,413,000 |
| Equity capital | 19,201,000 | 18,644,000 | 17,525,000 | 16,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,712,000 | 5,221,000 | 7,502,000 | 9,772,000 |
| Interest expense | 1,087,000 | 2,163,000 | 3,198,000 | 4,281,000 |
| Net interest income | 1,625,000 | 3,058,000 | 4,304,000 | 5,491,000 |
| Noninterest income | 307,000 | 2,261,000 | 2,626,000 | 2,929,000 |
| Noninterest expense | 1,158,000 | 2,339,000 | 3,349,000 | 4,551,000 |
| Provision for loan losses | 45,000 | 86,000 | 130,000 | 170,000 |
| Pretax income | 729,000 | 2,894,000 | 3,451,000 | 3,699,000 |
| Income tax | 232,000 | 954,000 | 1,130,000 | 1,203,000 |
| Net income | 497,000 | 1,940,000 | 2,321,000 | 2,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,103,000 | 13,546,000 | 12,427,000 | 11,102,000 |
| Total capital | 15,463,000 | 14,905,000 | 13,781,000 | 12,448,000 |
| Risk-weighted assets | 150,207,000 | 118,418,000 | 109,316,000 | 114,198,000 |