Call reports 2011
CAYUGA LAKE NATIONAL BANK — 2011
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 113,237,000 | 116,809,000 | 117,688,000 | 119,148,000 |
| Total loans | 61,840,000 | 61,705,000 | 62,729,000 | 65,083,000 |
| Allowance for loan losses | 371,000 | 368,000 | 362,000 | 370,000 |
| Securities available for sale | 8,038,000 | 11,200,000 | 11,159,000 | 14,295,000 |
| Securities held to maturity | 29,427,000 | 27,915,000 | 26,890,000 | 26,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,079,000 | 104,254,000 | 105,086,000 | 106,276,000 |
| Interest-bearing deposits | 84,143,000 | 86,492,000 | 88,494,000 | 86,688,000 |
| Noninterest-bearing deposits | 16,936,000 | 17,762,000 | 16,592,000 | 19,588,000 |
| Equity capital | 10,618,000 | 11,006,000 | 10,990,000 | 11,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,563,000 | 3,865,000 | 5,180,000 |
| Interest expense | 204,000 | 414,000 | 615,000 | 803,000 |
| Net interest income | 1,078,000 | 2,149,000 | 3,250,000 | 4,377,000 |
| Noninterest income | 68,000 | 139,000 | 234,000 | 328,000 |
| Noninterest expense | 690,000 | 1,434,000 | 2,138,000 | 2,975,000 |
| Provision for loan losses | 15,000 | 30,000 | 30,000 | 66,000 |
| Pretax income | 441,000 | 824,000 | 1,316,000 | 1,664,000 |
| Income tax | 69,000 | 166,000 | 266,000 | 366,000 |
| Net income | 372,000 | 658,000 | 1,050,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,373,000 | 11,659,000 | 11,557,000 | 11,805,000 |
| Total capital | 11,804,000 | 12,087,000 | 11,979,000 | 12,230,000 |
| Risk-weighted assets | 59,816,000 | 59,870,000 | 60,618,000 | 61,774,000 |
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