Call reports 2007
CAYUGA LAKE NATIONAL BANK — 2007
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,257,000 | 89,830,000 | 90,556,000 | 87,306,000 |
| Total loans | 46,033,000 | 46,350,000 | 46,937,000 | 50,285,000 |
| Allowance for loan losses | 358,000 | 357,000 | 353,000 | 353,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,124,000 | 28,162,000 | 28,675,000 | 26,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,153,000 | 78,513,000 | 79,352,000 | 75,938,000 |
| Interest-bearing deposits | 66,415,000 | 64,360,000 | 64,829,000 | 61,170,000 |
| Noninterest-bearing deposits | 12,738,000 | 14,153,000 | 14,523,000 | 14,768,000 |
| Equity capital | 10,382,000 | 10,645,000 | 10,503,000 | 10,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,235,000 | 2,510,000 | 3,781,000 | 5,036,000 |
| Interest expense | 406,000 | 852,000 | 1,311,000 | 1,747,000 |
| Net interest income | 829,000 | 1,658,000 | 2,470,000 | 3,289,000 |
| Noninterest income | 71,000 | 152,000 | 248,000 | 336,000 |
| Noninterest expense | 494,000 | 1,041,000 | 1,563,000 | 2,236,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 406,000 | 769,000 | 1,155,000 | 1,389,000 |
| Income tax | 95,000 | 195,000 | 292,000 | 378,000 |
| Net income | 311,000 | 574,000 | 863,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,382,000 | 10,645,000 | 10,503,000 | 10,651,000 |
| Total capital | 10,782,000 | 11,044,000 | 10,906,000 | 11,054,000 |
| Risk-weighted assets | 50,723,000 | 50,689,000 | 50,903,000 | 49,444,000 |
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