Call reports 2023
YORK STATE BANK — 2023
What YORK STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 200,464,000 | 191,120,000 | 192,380,000 | 191,266,000 |
| Total loans | 131,647,000 | 131,168,000 | 136,452,000 | 137,772,000 |
| Allowance for loan losses | 1,618,000 | 1,630,000 | 1,627,000 | 1,591,000 |
| Securities available for sale | 30,341,000 | 29,261,000 | 28,534,000 | 27,336,000 |
| Securities held to maturity | 4,395,000 | 4,320,000 | 4,280,000 | 2,740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,739,000 | 167,095,000 | 161,875,000 | 165,858,000 |
| Interest-bearing deposits | 124,343,000 | 117,344,000 | 123,797,000 | 124,661,000 |
| Noninterest-bearing deposits | 52,396,000 | 49,751,000 | 38,078,000 | 41,197,000 |
| Equity capital | 22,614,000 | 23,017,000 | 23,572,000 | 24,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,909,000 | 3,890,000 | 5,932,000 | 8,033,000 |
| Interest expense | 260,000 | 588,000 | 1,027,000 | 1,570,000 |
| Net interest income | 1,649,000 | 3,302,000 | 4,905,000 | 6,463,000 |
| Noninterest income | 222,000 | 442,000 | 651,000 | 858,000 |
| Noninterest expense | 881,000 | 1,784,000 | 2,668,000 | 3,545,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 70,000 |
| Pretax income | 991,000 | 1,948,000 | 2,877,000 | 3,713,000 |
| Income tax | 200,000 | 393,000 | 581,000 | 748,000 |
| Net income | 791,000 | 1,555,000 | 2,296,000 | 2,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,599,000 | 20,362,000 | 21,105,000 | 21,272,000 |
| Total capital | 21,217,000 | 21,992,000 | 22,732,000 | 22,863,000 |
| Risk-weighted assets | 152,448,000 | 151,837,000 | 156,644,000 | 157,239,000 |