Call reports 2013
CAYUGA LAKE NATIONAL BANK — 2013
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 125,372,000 | 135,054,000 | 132,854,000 | 128,102,000 |
| Total loans | 65,399,000 | 66,670,000 | 66,988,000 | 68,240,000 |
| Allowance for loan losses | 371,000 | 372,000 | 375,000 | 376,000 |
| Securities available for sale | 18,351,000 | 20,092,000 | 20,486,000 | 20,274,000 |
| Securities held to maturity | 20,333,000 | 19,054,000 | 22,297,000 | 22,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,726,000 | 121,781,000 | 119,857,000 | 115,115,000 |
| Interest-bearing deposits | 92,771,000 | 101,424,000 | 98,636,000 | 92,583,000 |
| Noninterest-bearing deposits | 18,955,000 | 20,357,000 | 21,221,000 | 22,532,000 |
| Equity capital | 10,962,000 | 10,620,000 | 10,334,000 | 10,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,489,000 | 3,776,000 | 5,073,000 |
| Interest expense | 118,000 | 238,000 | 361,000 | 485,000 |
| Net interest income | 1,122,000 | 2,251,000 | 3,415,000 | 4,588,000 |
| Noninterest income | 62,000 | 133,000 | 211,000 | 294,000 |
| Noninterest expense | 767,000 | 1,495,000 | 2,280,000 | 3,118,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 428,000 | 901,000 | 1,359,000 | 1,777,000 |
| Income tax | 85,000 | 192,000 | 305,000 | 435,000 |
| Net income | 343,000 | 709,000 | 1,054,000 | 1,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,016,000 | 12,382,000 | 12,233,000 | 12,521,000 |
| Total capital | 12,442,000 | 12,809,000 | 12,663,000 | 12,952,000 |
| Risk-weighted assets | 61,866,000 | 65,376,000 | 64,948,000 | 64,752,000 |
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