Call reports 2016
YORK STATE BANK — 2016
What YORK STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 148,927,000 | 147,779,000 | 148,419,000 | 146,761,000 |
| Total loans | 120,886,000 | 118,714,000 | 119,559,000 | 118,067,000 |
| Allowance for loan losses | 1,431,000 | 1,432,000 | 1,433,000 | 1,440,000 |
| Securities available for sale | 9,862,000 | 9,565,000 | 9,106,000 | 8,434,000 |
| Securities held to maturity | 2,876,000 | 2,875,000 | 3,509,000 | 3,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,206,000 | 125,558,000 | 122,783,000 | 126,186,000 |
| Interest-bearing deposits | 101,325,000 | 102,608,000 | 101,236,000 | 99,063,000 |
| Noninterest-bearing deposits | 25,881,000 | 22,950,000 | 21,547,000 | 27,123,000 |
| Equity capital | 17,620,000 | 17,756,000 | 18,056,000 | 18,057,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,564,000 | 3,873,000 | 5,147,000 |
| Interest expense | 95,000 | 199,000 | 310,000 | 420,000 |
| Net interest income | 1,169,000 | 2,365,000 | 3,563,000 | 4,727,000 |
| Noninterest income | 202,000 | 404,000 | 626,000 | 864,000 |
| Noninterest expense | 924,000 | 1,830,000 | 2,739,000 | 3,632,000 |
| Provision for loan losses | 0 | 5,000 | 11,000 | 23,000 |
| Pretax income | 447,000 | 934,000 | 1,439,000 | 1,936,000 |
| Income tax | 156,000 | 325,000 | 503,000 | 676,000 |
| Net income | 291,000 | 609,000 | 936,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,473,000 | 12,562,000 | 12,888,000 | 12,982,000 |
| Total capital | 13,904,000 | 13,994,000 | 14,321,000 | 14,422,000 |
| Risk-weighted assets | 127,287,000 | 125,084,000 | 125,920,000 | 124,222,000 |