Bank of York in York, South Carolina (SC)



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Bank of York
GeneralFDIC 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
WWW: http://www.bankofyork.com
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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$181,867
Cash and due from depository institutions$49,807
Interest-bearing balances$40,015
Securities$40,884
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$83,901
Loan loss allowance $1,101
Trading account assets$0
Bank premises and fixed assets$2,144
Other real estate owned$328
Goodwill and other intangibles$0
All other assets$4,803
Life insurance assets$181,867
Total liabilities and capital$157,247
Total liabilities$152,573
Total deposits$124,448
Interest-bearing deposits$152,573
Deposits held in domestic offices$98
% insured (estimated)4210.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$91
Other borrowed funds $0
Subordinated debt $373
All other liabilities $24,620
Total equity capital$24,620
Total bank equity capital$24,620
Perpetual preferred stock$0
Common stock$330
Surplus$4,670
Undivided profits $19,620
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,176
Earning assets $0
Long-term assets (5+ years) $710
Average Assets, year-to-date $164,800
Average Assets, quarterly $40,548
Volatile liabilities $178,612
Insider loans $181,368
FHLB advances $89,450
Loans and leases held for sale $185,043
Unused loan commitments $3,235
Tier 1 (core) risk-based capital $2,024
Tier 2 risk-based capital $24,027
Total risk weighted assets $0
Total unused commitments $1,211
Restructured Loans and leases $11,587
Derivatives$2,553
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,947
Total interest expense $975
Net interest income $5,972
Provision for loan and lease losses $329
Total noninterest income $809
Fiduciary activities $0
Service charges on deposit accounts $491
Trading account gains & fees $0
Additional noninterest income $318
Total noninterest expense $4,509
Salaries and employee benefits $2,670
Premises and equipment expense $509
Additional noninterest expense $1,330
Pre-tax net operating income $1,943
Securities gains (losses) $0
Applicable income taxes $559
Income before extraordinary items $1,384
Extraordinary gains - net $0
Net income attributable to bank $1,384
Net charge-offs $0
Cash dividends $1,384
Sale, conversion, retirement of capital stock, net $240
Net operating income $1,038
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.36%
Cost of funding earning assets 0.61%
Net interest margin 3.75%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 2.83%
Net operating income to assets 0.77%
Return on assets (ROA) 0.77%
Pretax return on assets 1.09%
Return on equity (ROE) 5.66%
Retained earnings to average equity (YTD only) 1.42%
Net charge-offs to loans 0.27%
Credit loss provision to net charge-offs 137.08%
Efficiency ratio9.47%
Assets per employee$66,495
Cash dividends to net income (YTD only)4.13%
Condition Ratios (%)
Loss allowance to loans 75.00%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 93.62%
Noncurrent loans to loans 0.83%
Net loans and leases to deposits1.38%
Net loans and leases to core deposits 54.99%
Equity capital to assets 57.43%
Core capital (leverage) ratio 13.54%
Tier 1 risk-based capital ratio 12.98%
Total risk-based capital ratio 26.86%
Memoranda
Average assets$28
Average earning assets$178,612
Average equity $24,433
Average loans $159,318
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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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