Call reports 2013
YORK STATE BANK — 2013
What YORK STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 147,254,000 | 138,960,000 | 135,408,000 | 142,967,000 |
| Total loans | 97,397,000 | 102,294,000 | 104,777,000 | 113,463,000 |
| Allowance for loan losses | 1,243,000 | 1,253,000 | 1,240,000 | 1,291,000 |
| Securities available for sale | 10,315,000 | 9,309,000 | 8,570,000 | 8,035,000 |
| Securities held to maturity | 5,602,000 | 5,041,000 | 4,890,000 | 4,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,202,000 | 120,632,000 | 116,381,000 | 123,128,000 |
| Interest-bearing deposits | 106,401,000 | 99,382,000 | 95,965,000 | 98,900,000 |
| Noninterest-bearing deposits | 22,801,000 | 21,250,000 | 20,416,000 | 24,228,000 |
| Equity capital | 16,275,000 | 15,978,000 | 16,302,000 | 16,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,387,000 | 3,598,000 | 4,811,000 |
| Interest expense | 123,000 | 241,000 | 347,000 | 446,000 |
| Net interest income | 1,078,000 | 2,146,000 | 3,251,000 | 4,365,000 |
| Noninterest income | 210,000 | 441,000 | 670,000 | 928,000 |
| Noninterest expense | 895,000 | 1,746,000 | 2,609,000 | 3,477,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 90,000 |
| Pretax income | 393,000 | 831,000 | 1,302,000 | 1,726,000 |
| Income tax | 135,000 | 285,000 | 447,000 | 594,000 |
| Net income | 258,000 | 546,000 | 855,000 | 1,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,076,000 | 10,864,000 | 11,173,000 | 11,451,000 |
| Total capital | 12,319,000 | 12,117,000 | 12,413,000 | 12,742,000 |
| Risk-weighted assets | 105,819,000 | 107,559,000 | 109,284,000 | 117,829,000 |