Call reports 2012
YORK STATE BANK — 2012
What YORK STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,819,000 | 132,604,000 | 132,646,000 | 139,772,000 |
| Total loans | 98,033,000 | 96,088,000 | 100,854,000 | 105,593,000 |
| Allowance for loan losses | 1,215,000 | 1,217,000 | 1,230,000 | 1,260,000 |
| Securities available for sale | 12,063,000 | 12,015,000 | 10,977,000 | 9,214,000 |
| Securities held to maturity | 5,867,000 | 5,960,000 | 5,685,000 | 5,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,123,000 | 115,193,000 | 114,912,000 | 121,977,000 |
| Interest-bearing deposits | 100,143,000 | 96,715,000 | 96,863,000 | 98,537,000 |
| Noninterest-bearing deposits | 18,980,000 | 18,478,000 | 18,049,000 | 23,440,000 |
| Equity capital | 15,633,000 | 15,939,000 | 15,759,000 | 16,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,345,000 | 2,649,000 | 3,968,000 | 5,245,000 |
| Interest expense | 179,000 | 340,000 | 484,000 | 616,000 |
| Net interest income | 1,166,000 | 2,309,000 | 3,484,000 | 4,629,000 |
| Noninterest income | 200,000 | 471,000 | 707,000 | 926,000 |
| Noninterest expense | 880,000 | 1,769,000 | 2,654,000 | 3,532,000 |
| Provision for loan losses | 8,000 | 18,000 | 56,000 | 95,000 |
| Pretax income | 478,000 | 993,000 | 1,481,000 | 1,928,000 |
| Income tax | 164,000 | 340,000 | 508,000 | 661,000 |
| Net income | 314,000 | 653,000 | 973,000 | 1,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,366,000 | 10,705,000 | 10,525,000 | 10,818,000 |
| Total capital | 11,581,000 | 11,922,000 | 11,755,000 | 12,078,000 |
| Risk-weighted assets | 100,578,000 | 100,861,000 | 105,622,000 | 110,853,000 |