Call reports 2011
YORK STATE BANK — 2011
What YORK STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 125,609,000 | 128,516,000 | 128,174,000 | 133,686,000 |
| Total loans | 89,138,000 | 90,354,000 | 94,922,000 | 99,944,000 |
| Allowance for loan losses | 1,191,000 | 1,173,000 | 1,184,000 | 1,212,000 |
| Securities available for sale | 14,171,000 | 13,838,000 | 13,042,000 | 11,859,000 |
| Securities held to maturity | 5,738,000 | 5,268,000 | 4,975,000 | 6,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,745,000 | 111,492,000 | 110,401,000 | 113,716,000 |
| Interest-bearing deposits | 95,353,000 | 96,424,000 | 94,570,000 | 96,362,000 |
| Noninterest-bearing deposits | 13,392,000 | 15,068,000 | 15,831,000 | 17,354,000 |
| Equity capital | 15,558,000 | 15,714,000 | 15,979,000 | 15,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,692,000 | 4,026,000 | 5,371,000 |
| Interest expense | 228,000 | 449,000 | 665,000 | 859,000 |
| Net interest income | 1,116,000 | 2,243,000 | 3,361,000 | 4,512,000 |
| Noninterest income | 238,000 | 479,000 | 712,000 | 944,000 |
| Noninterest expense | 935,000 | 1,828,000 | 2,722,000 | 3,614,000 |
| Provision for loan losses | 15,000 | 15,000 | 23,000 | 50,000 |
| Pretax income | 404,000 | 879,000 | 1,328,000 | 1,792,000 |
| Income tax | 137,000 | 298,000 | 450,000 | 609,000 |
| Net income | 267,000 | 581,000 | 878,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,311,000 | 10,375,000 | 10,672,000 | 10,452,000 |
| Total capital | 11,466,000 | 11,548,000 | 11,856,000 | 11,664,000 |
| Risk-weighted assets | 92,345,000 | 93,912,000 | 97,275,000 | 102,182,000 |