Call reports 2025
YORK STATE BANK — 2025
What YORK STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 190,447,000 | 186,511,000 | 189,785,000 | 193,601,000 |
| Total loans | 128,338,000 | 127,352,000 | 137,771,000 | 138,567,000 |
| Allowance for loan losses | 1,534,000 | 1,531,000 | 1,575,000 | 1,609,000 |
| Securities available for sale | 25,986,000 | 27,263,000 | 26,246,000 | 24,132,000 |
| Securities held to maturity | 2,910,000 | 3,995,000 | 3,929,000 | 3,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,140,000 | 156,562,000 | 153,808,000 | 162,137,000 |
| Interest-bearing deposits | 125,417,000 | 93,317,000 | 91,694,000 | 120,168,000 |
| Noninterest-bearing deposits | 35,723,000 | 63,245,000 | 62,114,000 | 41,969,000 |
| Equity capital | 28,328,000 | 29,000,000 | 29,702,000 | 30,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 4,560,000 | 6,935,000 | 9,408,000 |
| Interest expense | 578,000 | 1,143,000 | 1,711,000 | 2,294,000 |
| Net interest income | 1,689,000 | 3,417,000 | 5,224,000 | 7,114,000 |
| Noninterest income | 186,000 | 361,000 | 550,000 | 733,000 |
| Noninterest expense | 908,000 | 1,818,000 | 2,715,000 | 3,539,000 |
| Provision for loan losses | 20,000 | 50,000 | 100,000 | 165,000 |
| Pretax income | 946,000 | 1,911,000 | 2,956,000 | 4,141,000 |
| Income tax | 191,000 | 384,000 | 593,000 | 831,000 |
| Net income | 755,000 | 1,527,000 | 2,363,000 | 3,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,587,000 | 25,059,000 | 25,595,000 | 26,242,000 |
| Total capital | 26,121,000 | 26,590,000 | 27,170,000 | 27,851,000 |
| Risk-weighted assets | 146,738,000 | 144,614,000 | 154,159,000 | 155,399,000 |