Call reports 2012
CAYUGA LAKE NATIONAL BANK — 2012
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 127,863,000 | 125,017,000 | 125,056,000 | 118,435,000 |
| Total loans | 63,429,000 | 63,573,000 | 65,363,000 | 66,941,000 |
| Allowance for loan losses | 372,000 | 363,000 | 364,000 | 377,000 |
| Securities available for sale | 15,554,000 | 16,629,000 | 18,682,000 | 18,056,000 |
| Securities held to maturity | 25,725,000 | 24,345,000 | 22,920,000 | 21,621,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,845,000 | 111,588,000 | 111,616,000 | 104,805,000 |
| Interest-bearing deposits | 93,315,000 | 93,318,000 | 92,529,000 | 83,547,000 |
| Noninterest-bearing deposits | 21,530,000 | 18,270,000 | 19,087,000 | 21,258,000 |
| Equity capital | 10,754,000 | 11,138,000 | 11,091,000 | 11,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,591,000 | 3,870,000 | 5,144,000 |
| Interest expense | 175,000 | 349,000 | 492,000 | 624,000 |
| Net interest income | 1,121,000 | 2,242,000 | 3,378,000 | 4,520,000 |
| Noninterest income | 71,000 | 147,000 | 234,000 | 310,000 |
| Noninterest expense | 761,000 | 1,500,000 | 2,285,000 | 3,120,000 |
| Provision for loan losses | 0 | 0 | 0 | 24,000 |
| Pretax income | 431,000 | 889,000 | 1,380,000 | 1,789,000 |
| Income tax | 93,000 | 195,000 | 317,000 | 445,000 |
| Net income | 338,000 | 694,000 | 1,063,000 | 1,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,651,000 | 12,007,000 | 11,884,000 | 12,165,000 |
| Total capital | 12,078,000 | 12,425,000 | 12,303,000 | 12,597,000 |
| Risk-weighted assets | 62,670,000 | 61,458,000 | 62,434,000 | 61,462,000 |