Call reports 2010
CAYUGA LAKE NATIONAL BANK — 2010
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 108,645,000 | 107,183,000 | 105,645,000 | 108,711,000 |
| Total loans | 58,775,000 | 60,594,000 | 61,268,000 | 62,076,000 |
| Allowance for loan losses | 337,000 | 348,000 | 348,000 | 356,000 |
| Securities available for sale | 6,147,000 | 5,236,000 | 6,956,000 | 7,347,000 |
| Securities held to maturity | 30,784,000 | 30,242,000 | 30,513,000 | 29,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,856,000 | 95,073,000 | 93,499,000 | 96,561,000 |
| Interest-bearing deposits | 80,027,000 | 79,247,000 | 76,866,000 | 79,722,000 |
| Noninterest-bearing deposits | 16,829,000 | 15,826,000 | 16,633,000 | 16,839,000 |
| Equity capital | 10,350,000 | 10,710,000 | 10,732,000 | 10,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,287,000 | 2,591,000 | 3,891,000 | 5,189,000 |
| Interest expense | 257,000 | 498,000 | 721,000 | 936,000 |
| Net interest income | 1,030,000 | 2,093,000 | 3,170,000 | 4,253,000 |
| Noninterest income | 66,000 | 144,000 | 236,000 | 329,000 |
| Noninterest expense | 634,000 | 1,329,000 | 1,928,000 | 2,742,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 447,000 | 883,000 | 1,453,000 | 1,815,000 |
| Income tax | 85,000 | 220,000 | 360,000 | 475,000 |
| Net income | 362,000 | 663,000 | 1,093,000 | 1,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,946,000 | 11,247,000 | 11,246,000 | 11,493,000 |
| Total capital | 11,343,000 | 11,655,000 | 11,654,000 | 11,909,000 |
| Risk-weighted assets | 57,904,000 | 58,193,000 | 58,057,000 | 59,513,000 |
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