Call reports 2020
YORK STATE BANK — 2020
What YORK STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 148,442,000 | 156,513,000 | 156,774,000 | 165,793,000 |
| Total loans | 120,385,000 | 126,612,000 | 120,786,000 | 127,160,000 |
| Allowance for loan losses | 1,498,000 | 1,494,000 | 1,484,000 | 1,521,000 |
| Securities available for sale | 9,944,000 | 9,886,000 | 11,585,000 | 13,163,000 |
| Securities held to maturity | 2,651,000 | 3,075,000 | 2,800,000 | 3,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,838,000 | 132,633,000 | 132,476,000 | 141,423,000 |
| Interest-bearing deposits | 98,133,000 | 100,601,000 | 102,088,000 | 102,444,000 |
| Noninterest-bearing deposits | 26,705,000 | 32,032,000 | 30,388,000 | 38,979,000 |
| Equity capital | 21,239,000 | 21,434,000 | 21,863,000 | 22,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 3,050,000 | 4,537,000 | 6,102,000 |
| Interest expense | 232,000 | 431,000 | 600,000 | 748,000 |
| Net interest income | 1,310,000 | 2,619,000 | 3,937,000 | 5,354,000 |
| Noninterest income | 194,000 | 363,000 | 570,000 | 766,000 |
| Noninterest expense | 958,000 | 1,915,000 | 2,889,000 | 3,793,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 543,000 | 1,065,000 | 1,616,000 | 2,291,000 |
| Income tax | 122,000 | 279,000 | 398,000 | 512,000 |
| Net income | 421,000 | 786,000 | 1,218,000 | 1,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,141,000 | 16,156,000 | 16,587,000 | 16,848,000 |
| Total capital | — | 17,650,000 | 18,071,000 | 18,369,000 |
| Risk-weighted assets | — | 137,176,000 | 130,348,000 | 140,470,000 |