Call reports 2009
CAYUGA LAKE NATIONAL BANK — 2009
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,728,000 | 100,932,000 | 104,720,000 | 104,105,000 |
| Total loans | 50,834,000 | 53,626,000 | 53,188,000 | 57,132,000 |
| Allowance for loan losses | 346,000 | 351,000 | 352,000 | 341,000 |
| Securities available for sale | 0 | 0 | 1,405,000 | 5,146,000 |
| Securities held to maturity | 32,935,000 | 32,930,000 | 34,149,000 | 32,202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,045,000 | 89,018,000 | 92,949,000 | 92,303,000 |
| Interest-bearing deposits | 71,824,000 | 70,805,000 | 75,990,000 | 75,968,000 |
| Noninterest-bearing deposits | 16,221,000 | 18,213,000 | 16,959,000 | 16,335,000 |
| Equity capital | 10,075,000 | 10,298,000 | 10,164,000 | 10,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,449,000 | 3,674,000 | 4,942,000 |
| Interest expense | 278,000 | 552,000 | 821,000 | 1,089,000 |
| Net interest income | 931,000 | 1,897,000 | 2,853,000 | 3,853,000 |
| Noninterest income | 64,000 | 137,000 | 217,000 | 299,000 |
| Noninterest expense | 582,000 | 1,298,000 | 1,912,000 | 2,748,000 |
| Provision for loan losses | 10,000 | 30,000 | 70,000 | 135,000 |
| Pretax income | 403,000 | 706,000 | 1,088,000 | 1,269,000 |
| Income tax | 75,000 | 155,000 | 240,000 | 290,000 |
| Net income | 328,000 | 551,000 | 848,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,794,000 | 11,017,000 | 10,883,000 | 11,014,000 |
| Total capital | 11,186,000 | 11,414,000 | 11,290,000 | 11,415,000 |
| Risk-weighted assets | 52,524,000 | 54,309,000 | 54,214,000 | 56,405,000 |
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