Bank of York in York, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of York - Overview

  • General
  • FDIC Certificate #: 15104
    Status: Active
    Federal Reserve ID: 922924
    Bank Holding Company (Regulatory Top Holder): York Bancshares, Inc. (RSSDID: 1076208, Location: York, SC)
    Date Established: April 15, 1935
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9480
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 24, 1935
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 13 W Liberty St, York, SC 29745
    County: York
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Columbia Sc
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Charlotte-Gastonia-Rock Hill, NC-SC (#1520)
    Combined Statistical Area (CSA): Charlotte-Gastonia-Salisbury, NC-SC (#172)
    Core Based Statistical Area (CBSA): Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
    CBSA Metro Statistical Area: Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $181.9 mil
    Equity capital: $24.6 mil
    Deposits held in domestic offices: $152.6 mil
    Return on assets (ROA): 0.77% ($1.4 mil)
    Quarterly return on assets: 0.61% ($1.1 mil)
    Return on Equity (ROE): 5.66% ($1.4 mil)
    Quarterly return on equity: 4.43% ($1.1 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.09% ($1,982.4 mil)
    Quarterly Pretax return on assets: 0.83% ($1,509.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 44Total employees (full-time equivalent)
  • $181,867Total assets
  • $49,807Cash and due from depository institutions
  • $40,015Interest-bearing balances
  • $40,884Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,901Net loans & leases
  • $1,101Loan loss allowance
  • $0Trading account assets
  • $2,144Bank premises and fixed assets
  • $328Other real estate owned
  • $0Goodwill and other intangibles
  • $181,867Life insurance assets
  • $4,803All other assets
  • $157,247Total liabilities and capital
  • $152,573Total liabilities
  • $124,448Total deposits
  • $152,573Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 4210.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $91Trading liabilities
  • $0Other borrowed funds
  • $373Subordinated debt
  • $24,620All other liabilities
  • $24,620Total equity capital
  • $24,620Total bank equity capital
  • $0Perpetual preferred stock
  • $330Common stock
  • $4,670Surplus
  • $19,620Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,176Income earned, not collected on loans
  • $0Earning assets
  • $710Long-term assets (5+ years)
  • $164,800Average Assets, year-to-date
  • $40,548Average Assets, quarterly
  • $178,612Volatile liabilities
  • $181,368Insider loans
  • $89,450FHLB advances
  • $185,043Loans and leases held for sale
  • $3,235Unused loan commitments
  • $2,024Tier 1 (core) risk-based capital
  • $24,027Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,211Total unused commitments
  • $11,587Restructured Loans and leases
  • $2,553Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,947Total interest income
  • $975Total interest expense
  • $5,972Net interest income
  • $329Provision for loan and lease losses
  • $809Total noninterest income
  • $0Fiduciary activities
  • $491Service charges on deposit accounts
  • $0Trading account gains & fees
  • $318Additional noninterest income
  • $4,509Total noninterest expense
  • $2,670Salaries and employee benefits
  • $509Premises and equipment expense
  • $1,330Additional noninterest expense
  • $1,943Pre-tax net operating income
  • $0Securities gains (losses)
  • $559Applicable income taxes
  • $1,384Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,384Net income attributable to bank
  • $0Net charge-offs
  • $1,384Cash dividends
  • $240Sale, conversion, retirement of capital stock, net
  • $1,038Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 5.66%Return on equity (ROE)
  • 1.42%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 137.08%Credit loss provision to net charge-offs
  • 9.47%Efficiency ratio
  • 66,495Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 93.62%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 1.38%Net loans and leases to deposits
  • 54.99%Net loans and leases to core deposits
  • 57.43%Equity capital to assets
  • 13.54%Core capital (leverage) ratio
  • 12.98%Tier 1 risk-based capital ratio
  • 26.86%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $178,612Average earning assets
  • $24,433Average equity
  • $159,318Average loans

List of branches

  • 4 South Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09480Bank Of York13 W Liberty St, York, SC 29745April 15, 1935Full Service Brick and Mortar
    1233245East Liberty Street BranchEast Liberty Street Extension, York, SC 29745September 27, 1973Full Service Brick and Mortar
    2233246Bethel-Lake Wylie BranchSouth Carolina Highway 49, York County, SC 29710October 28, 1985Full Service Brick and Mortar
    3233247York County BranchHighway 274, York County, SC 29730November 05, 1990Full Service Brick and Mortar

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