Bank of York in York, South Carolina (SC)

Show street view No street view available for this location

Bank of York routing number info

Table of contents:
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
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
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
Undivided profits $19,620
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
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Average assets$28
Average earning assets$178,612
Average equity $24,433
Average loans $159,318
Back to page top, Back to table top

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
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of York.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.