Call reports 2014
YORK STATE BANK — 2014
What YORK STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 142,437,000 | 141,966,000 | 138,967,000 | 148,425,000 |
| Total loans | 109,072,000 | 108,330,000 | 108,919,000 | 119,262,000 |
| Allowance for loan losses | 1,310,000 | 1,334,000 | 1,346,000 | 1,385,000 |
| Securities available for sale | 8,756,000 | 8,449,000 | 9,342,000 | 8,099,000 |
| Securities held to maturity | 4,568,000 | 4,442,000 | 4,196,000 | 4,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,636,000 | 121,883,000 | 119,392,000 | 124,237,000 |
| Interest-bearing deposits | 100,173,000 | 97,308,000 | 97,975,000 | 100,047,000 |
| Noninterest-bearing deposits | 23,463,000 | 24,575,000 | 21,417,000 | 24,190,000 |
| Equity capital | 16,202,000 | 16,514,000 | 16,785,000 | 16,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,443,000 | 3,688,000 | 4,953,000 |
| Interest expense | 89,000 | 177,000 | 263,000 | 352,000 |
| Net interest income | 1,125,000 | 2,266,000 | 3,425,000 | 4,601,000 |
| Noninterest income | 235,000 | 474,000 | 686,000 | 902,000 |
| Noninterest expense | 943,000 | 1,849,000 | 2,784,000 | 3,688,000 |
| Provision for loan losses | 21,000 | 46,000 | 59,000 | 107,000 |
| Pretax income | 396,000 | 845,000 | 1,268,000 | 1,708,000 |
| Income tax | 136,000 | 290,000 | 436,000 | 589,000 |
| Net income | 260,000 | 555,000 | 832,000 | 1,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,111,000 | 11,406,000 | 11,683,000 | 11,570,000 |
| Total capital | 12,421,000 | 12,740,000 | 13,029,000 | 12,955,000 |
| Risk-weighted assets | 114,277,000 | 113,669,000 | 113,618,000 | 123,822,000 |