Call reports 2008
YORK STATE BANK — 2008
What YORK STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,597,000 | 127,135,000 | 127,372,000 | 128,010,000 |
| Total loans | 96,862,000 | 97,467,000 | 99,632,000 | 95,082,000 |
| Allowance for loan losses | 979,000 | 994,000 | 1,007,000 | 1,039,000 |
| Securities available for sale | 1,072,000 | 1,011,000 | 2,006,000 | 3,103,000 |
| Securities held to maturity | 12,219,000 | 10,767,000 | 10,093,000 | 8,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,510,000 | 109,420,000 | 106,083,000 | 108,162,000 |
| Interest-bearing deposits | 98,121,000 | 96,654,000 | 94,038,000 | 94,595,000 |
| Noninterest-bearing deposits | 12,389,000 | 12,766,000 | 12,045,000 | 13,567,000 |
| Equity capital | 14,900,000 | 15,097,000 | 15,391,000 | 15,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,871,000 | 3,635,000 | 5,397,000 | 7,094,000 |
| Interest expense | 836,000 | 1,550,000 | 2,200,000 | 2,789,000 |
| Net interest income | 1,035,000 | 2,085,000 | 3,197,000 | 4,305,000 |
| Noninterest income | 342,000 | 685,000 | 1,052,000 | 1,367,000 |
| Noninterest expense | 1,005,000 | 2,005,000 | 3,010,000 | 4,046,000 |
| Provision for loan losses | 242,000 | 340,000 | 409,000 | 591,000 |
| Pretax income | 130,000 | 425,000 | 830,000 | 1,035,000 |
| Income tax | 25,000 | 112,000 | 237,000 | 294,000 |
| Net income | 105,000 | 313,000 | 593,000 | 741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,802,000 | 9,999,000 | 10,286,000 | 9,934,000 |
| Total capital | 10,781,000 | 10,993,000 | 11,293,000 | 10,973,000 |
| Risk-weighted assets | 103,010,000 | 102,709,000 | 104,385,000 | 101,343,000 |