Call reports 2024
YORK STATE BANK — 2024
What YORK STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 187,026,000 | 184,131,000 | 188,791,000 | 188,786,000 |
| Total loans | 133,570,000 | 134,084,000 | 138,830,000 | 133,123,000 |
| Allowance for loan losses | 1,544,000 | 1,559,000 | 1,589,000 | 1,544,000 |
| Securities available for sale | 26,713,000 | 26,100,000 | 25,450,000 | 28,104,000 |
| Securities held to maturity | 2,740,000 | 2,660,000 | 2,500,000 | 2,555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,939,000 | 156,126,000 | 153,655,000 | 160,250,000 |
| Interest-bearing deposits | 124,936,000 | 121,783,000 | 122,944,000 | 121,659,000 |
| Noninterest-bearing deposits | 36,003,000 | 34,343,000 | 30,711,000 | 38,591,000 |
| Equity capital | 25,143,000 | 25,888,000 | 27,223,000 | 27,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,127,000 | 4,305,000 | 6,551,000 | 8,814,000 |
| Interest expense | 524,000 | 1,083,000 | 1,767,000 | 2,415,000 |
| Net interest income | 1,603,000 | 3,222,000 | 4,784,000 | 6,399,000 |
| Noninterest income | 200,000 | 384,000 | 568,000 | 751,000 |
| Noninterest expense | 855,000 | 1,675,000 | 2,515,000 | 3,421,000 |
| Provision for loan losses | 25,000 | 60,000 | 95,000 | 144,000 |
| Pretax income | 924,000 | 1,870,000 | 2,741,000 | 3,586,000 |
| Income tax | 188,000 | 380,000 | 556,000 | 726,000 |
| Net income | 736,000 | 1,490,000 | 2,185,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,008,000 | 22,761,000 | 23,457,000 | 24,132,000 |
| Total capital | 23,552,000 | 24,320,000 | 25,046,000 | 25,676,000 |
| Risk-weighted assets | 152,030,000 | 151,112,000 | 154,249,000 | 149,923,000 |