Bank Of York Mortgage Rates, Fees & Info

York, SC

LEI: 5493003F21XWNPQFEE34

Tax ID: 57-0119680

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Of York is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    36

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 20.0%
    BANK OF THE WEST VA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 2 6.7%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 3 10.0%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 4 13.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 6.7%
    BANK OF THE WEST FHA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 2 6.7%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 5 16.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 1 3.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of York 13 W Liberty St York, SC 29745 Full Service B&M $149,914
    Bank of York 4955 Charlotte Hwy Lake Wylie, SC 29710 Full Service B&M $23,340
    Bank of York East Liberty Street Extension York, SC 29745 Full Service B&M $38,606
    Bank of York Highway 274 York County, SC 29730 Full Service B&M $36,279

    For 2021, Bank Of York had 4 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $6,142
    Net interest income $5,969
    Total noninterest income $967
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $156
    Trading account gains and fees $0
    Additional Noninterest Income $811
    Pre-tax net operating income $1,466
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,208
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,208
    Minority interest net income $0
    Net income $1,208
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,208

    Bank Of York's gross interest income from loans was $6,142,000.
    Bank Of York's net interest income from loans was $5,969,000.
    Bank Of York's fee based income from loans was $156,000.
    Bank Of York's net income from loans was $1,208,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $173
    Provision for credit losses $0
    Total noninterest expense $5,470
    Salaries and employee benefits $3,012
    Premises and equipment expense $468
    Additional noninterest expense $1,990
    Applicable income taxes $258
    Net charge-offs $-39
    Cash dividends $1,050

    Bank Of York's interest expense for loans was $173,000.
    Bank Of York's payroll and benefits expense were $3,012,000.
    Bank Of York's property, plant and equipment expenses $468,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 1.7%
    Other individual loans 1.0%
    Auto loans 2.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $313,599
    Deposits held in domestic offices $313,599
    Deposits by Individuals, partnerships, and corporations $262,428
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $51,171
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $220,376
    Demand deposits $106,733
    Nontransaction accounts $93,223
    Money market deposit accounts (MMDAs) $13,861
    Other savings deposits (excluding MMDAs) $45,983
    Total time deposits $33,378
    Total time and savings deposits $206,866
    Noninterest-bearing deposits $105,282
    Interest-bearing deposits $208,317
    Retail deposits $308,984
    IRAs and Keogh plan accounts $6,273
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $346,949
    Cash & Balances due from depository institutions $216,004
    Interest-bearing balances $214,114
    Total securities $44,311
    Federal funds sold & reverse repurchase $0
    Net loans and leases $78,436
    Loan and leases loss allowance $841
    Trading account assets $0
    Bank premises and fixed assets $2,339
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $5,859

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $346,949
    Total Liabilities $319,570
    Total deposits $313,599
    Interest-bearing deposits $208,317
    Deposits held in domestic offices $313,599
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $5,439
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $532

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $78,436
    Loan and leases loss allowance $841
    Total loans and leases (domestic) $79,277
    All real estate loans $65,407
    Real estate loans in domestic offices $65,407
    Construction and development loans $10,117
    Residential 1-4 family construction $1,512
    Other construction, all land development and other land $8,605
    Loans secured by nonfarm nonresidential properties $25,333
    Nonfarm nonresidential secured by owner-occupied properties $11,180
    Commercial real estate & other non-farm, non-residential $14,153
    Multifamily residential real estate $0
    1-4 family residential loans $26,951
    Farmland loans $3,006
    Loans held in foreign offices $0
    Farm loans $13
    Commercial and industrial loans $8,042
    To non-U.S. addressees $0
    Loans to individuals $5,875
    Credit card loans $823
    Related Plans $205
    Consumer Auto Loans $2,165
    Other loans to individuals $2,682
    All other loans & leases $120
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $466
    Non 1-4 family restructured loans & leases $275
    Total loans and leases (foreign) $0

    Bank of York had $78,436,000 of loans outstanding in 2021. $65,407,000 of loans were in real estate loans. $10,117,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $26,951,000 of loans were in 1-4 family mortgage loans. $13,000 of loans were in farm loans. $823,000 of loans were in credit card loans. $2,165,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 135 $24,823 $183,874
    Nonfarm, nonresidential loans - <$100k 40 $1,807 $45,175
    Nonfarm, nonresidential loans - $100-250k 55 $7,008 $127,418
    Nonfarm, nonresidential loans - $250k-1MM 40 $16,008 $400,200
    Commercial & Industrial, US addressed loans - <$1MM 288 $7,657 $26,587
    Commercial & Industrial, US addressed loans - <$100k 263 $4,960 $18,859
    Commercial & Industrial, US addressed loans - $100-250k 19 $1,721 $90,579
    Commercial & Industrial, US addressed loans - $250k-1MM 6 $976 $162,667
    Farmland loans - <$1MM 17 $3,006 $176,824
    Farmland loans - <$100k 6 $328 $54,667
    Farmland loans - $100-250k 3 $225 $75,000
    Farmland loans - $250k-1MM 8 $2,453 $306,625
    Agriculture operations loans - <$1MM 1 $13 $13,000
    Agriculture operations loans - <$100k 1 $13 $13,000