Call reports 2009
YORK STATE BANK — 2009
What YORK STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 130,814,000 | 127,144,000 | 125,630,000 | 127,208,000 |
| Total loans | 91,685,000 | 89,243,000 | 89,199,000 | 91,347,000 |
| Allowance for loan losses | 956,000 | 939,000 | 958,000 | 1,102,000 |
| Securities available for sale | 6,107,000 | 6,990,000 | 7,820,000 | 13,359,000 |
| Securities held to maturity | 7,535,000 | 6,429,000 | 6,887,000 | 6,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,925,000 | 106,490,000 | 104,289,000 | 106,745,000 |
| Interest-bearing deposits | 99,094,000 | 95,532,000 | 92,932,000 | 93,563,000 |
| Noninterest-bearing deposits | 13,831,000 | 10,958,000 | 11,357,000 | 13,182,000 |
| Equity capital | 15,276,000 | 14,982,000 | 15,291,000 | 15,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 3,183,000 | 4,786,000 | 6,394,000 |
| Interest expense | 523,000 | 992,000 | 1,389,000 | 1,721,000 |
| Net interest income | 1,029,000 | 2,191,000 | 3,397,000 | 4,673,000 |
| Noninterest income | 296,000 | 604,000 | 919,000 | 1,212,000 |
| Noninterest expense | 971,000 | 2,029,000 | 2,972,000 | 3,854,000 |
| Provision for loan losses | 74,000 | 223,000 | 405,000 | 717,000 |
| Pretax income | 280,000 | 543,000 | 939,000 | 1,335,000 |
| Income tax | 87,000 | 170,000 | 301,000 | 432,000 |
| Net income | 193,000 | 373,000 | 638,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,126,000 | 9,807,000 | 10,072,000 | 9,836,000 |
| Total capital | 11,082,000 | 10,746,000 | 11,030,000 | 10,938,000 |
| Risk-weighted assets | 98,455,000 | 96,064,000 | 94,772,000 | 96,679,000 |