Call reports 2010
YORK STATE BANK — 2010
What YORK STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 125,814,000 | 126,707,000 | 126,849,000 | 126,738,000 |
| Total loans | 85,211,000 | 86,174,000 | 89,210,000 | 88,478,000 |
| Allowance for loan losses | 1,022,000 | 1,049,000 | 1,072,000 | 1,177,000 |
| Securities available for sale | 14,258,000 | 13,757,000 | 13,182,000 | 14,127,000 |
| Securities held to maturity | 7,099,000 | 6,708,000 | 6,545,000 | 6,179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,043,000 | 105,705,000 | 107,655,000 | 106,191,000 |
| Interest-bearing deposits | 94,539,000 | 92,637,000 | 93,449,000 | 91,965,000 |
| Noninterest-bearing deposits | 12,504,000 | 13,068,000 | 14,206,000 | 14,226,000 |
| Equity capital | 15,254,000 | 15,278,000 | 15,327,000 | 15,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,364,000 | 2,750,000 | 4,138,000 | 5,562,000 |
| Interest expense | 296,000 | 573,000 | 832,000 | 1,078,000 |
| Net interest income | 1,068,000 | 2,177,000 | 3,306,000 | 4,484,000 |
| Noninterest income | 269,000 | 592,000 | 890,000 | 1,152,000 |
| Noninterest expense | 962,000 | 1,920,000 | 2,877,000 | 3,838,000 |
| Provision for loan losses | 1,000 | 49,000 | 84,000 | 114,000 |
| Pretax income | 374,000 | 800,000 | 1,235,000 | 1,684,000 |
| Income tax | 124,000 | 266,000 | 411,000 | 562,000 |
| Net income | 250,000 | 534,000 | 824,000 | 1,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,085,000 | 9,980,000 | 9,971,000 | 10,268,000 |
| Total capital | 11,107,000 | 11,029,000 | 11,043,000 | 11,416,000 |
| Risk-weighted assets | 89,479,000 | 92,774,000 | 92,931,000 | 91,861,000 |