Call reports 2015
YORK STATE BANK — 2015
What YORK STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 145,702,000 | 143,913,000 | 143,809,000 | 148,225,000 |
| Total loans | 116,444,000 | 114,760,000 | 114,099,000 | 116,600,000 |
| Allowance for loan losses | 1,416,000 | 1,429,000 | 1,434,000 | 1,435,000 |
| Securities available for sale | 8,741,000 | 8,223,000 | 8,989,000 | 9,144,000 |
| Securities held to maturity | 3,844,000 | 3,758,000 | 3,438,000 | 3,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,408,000 | 122,015,000 | 120,272,000 | 125,622,000 |
| Interest-bearing deposits | 100,626,000 | 99,602,000 | 98,333,000 | 97,814,000 |
| Noninterest-bearing deposits | 24,782,000 | 22,413,000 | 21,939,000 | 27,808,000 |
| Equity capital | 16,986,000 | 17,267,000 | 17,307,000 | 17,273,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,285,000 | 2,527,000 | 3,790,000 | 5,059,000 |
| Interest expense | 90,000 | 181,000 | 275,000 | 368,000 |
| Net interest income | 1,195,000 | 2,346,000 | 3,515,000 | 4,691,000 |
| Noninterest income | 199,000 | 411,000 | 630,000 | 855,000 |
| Noninterest expense | 937,000 | 1,814,000 | 2,730,000 | 3,646,000 |
| Provision for loan losses | 28,000 | 43,000 | 43,000 | 43,000 |
| Pretax income | 429,000 | 900,000 | 1,372,000 | 1,857,000 |
| Income tax | 149,000 | 312,000 | 476,000 | 645,000 |
| Net income | 280,000 | 588,000 | 896,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,849,000 | 12,157,000 | 12,166,000 | 12,182,000 |
| Total capital | 13,265,000 | 13,586,000 | 13,600,000 | 13,617,000 |
| Risk-weighted assets | 120,921,000 | 123,791,000 | 121,677,000 | 124,571,000 |
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