Bank of York in York, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of York - Overview

  • General
  • FDIC Certificate #: 862
    Status: Active
    Federal Reserve ID: 359838
    Date Established: January 01, 1911
    WWW: http://www.bankyork.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 547
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 27, 2010
    Last Structure Change Process Date: July 06, 2010
    Last Data Update: July 06, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 Broad Street, York, AL 36925
    County: Sumter
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Supervisory Agency
    Change in Primary Regulatory Agency
    Institution Withdraws from FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $83.9 mil
    Equity capital: $10.3 mil
    Deposits held in domestic offices: $66.5 mil
    Return on assets (ROA): 1.01% ($0.8 mil)
    Quarterly return on assets: 1.18% ($1.0 mil)
    Return on Equity (ROE): 8.35% ($0.8 mil)
    Quarterly return on equity: 9.47% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.07% ($897.8 mil)
    Quarterly Pretax return on assets: 1.25% ($1,048.8 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
  • 22Total employees (full-time equivalent)
  • $83,908Total assets
  • $11,691Cash and due from depository institutions
  • $9,584Interest-bearing balances
  • $45,345Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $24,671Net loans & leases
  • $597Loan loss allowance
  • $0Trading account assets
  • $975Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $83,908Life insurance assets
  • $1,226All other assets
  • $73,595Total liabilities and capital
  • $66,546Total liabilities
  • $54,786Total deposits
  • $66,546Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 6157.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $892Subordinated debt
  • $10,313All other liabilities
  • $10,313Total equity capital
  • $10,313Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $600Surplus
  • $9,463Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $214Income earned, not collected on loans
  • $0Earning assets
  • $200Long-term assets (5+ years)
  • $79,600Average Assets, year-to-date
  • $33,471Average Assets, quarterly
  • $84,588Volatile liabilities
  • $84,835Insider loans
  • $37,214FHLB advances
  • $85,899Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,962Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,011Restructured Loans and leases
  • $1,241Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,104Total interest income
  • $667Total interest expense
  • $2,437Net interest income
  • -$87Provision for loan and lease losses
  • $657Total noninterest income
  • $0Fiduciary activities
  • $541Service charges on deposit accounts
  • $0Trading account gains & fees
  • $116Additional noninterest income
  • $2,333Total noninterest expense
  • $1,268Salaries and employee benefits
  • $174Premises and equipment expense
  • $891Additional noninterest expense
  • $848Pre-tax net operating income
  • $54Securities gains (losses)
  • $48Applicable income taxes
  • $854Income before extraordinary items
  • $0Extraordinary gains - net
  • $854Net income attributable to bank
  • $0Net charge-offs
  • $854Cash dividends
  • -$73Sale, conversion, retirement of capital stock, net
  • $640Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.89%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.06%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.93%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 8.35%Return on equity (ROE)
  • 2.09%Retained earnings to average equity (YTD only)
  • -0.27%Net charge-offs to loans
  • 119.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 75,404Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.94%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 278.97%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 37.07%Net loans and leases to core deposits
  • 40.58%Equity capital to assets
  • 12.29%Core capital (leverage) ratio
  • 10.43%Tier 1 risk-based capital ratio
  • 24.08%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $84,588Average earning assets
  • $10,233Average equity
  • $79,722Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0547Bank Of York301 Broad Street, York, AL 36925January 01, 1911Full Service Brick and Mortar
    1509808North Washington Street Branch716 North Washington Street, Livingston, AL 35470June 01, 2001Full Service Brick and Mortar

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