Call reports 2015
CAYUGA LAKE NATIONAL BANK — 2015
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,803,000 | 148,400,000 | 148,309,000 | 151,447,000 |
| Total loans | 66,591,000 | 66,778,000 | 66,536,000 | 68,494,000 |
| Allowance for loan losses | 359,000 | 358,000 | 368,000 | 369,000 |
| Securities available for sale | 18,949,000 | 18,334,000 | 18,012,000 | 17,778,000 |
| Securities held to maturity | 29,148,000 | 29,566,000 | 30,625,000 | 30,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,666,000 | 134,176,000 | 134,023,000 | 136,906,000 |
| Interest-bearing deposits | 104,542,000 | 105,809,000 | 106,859,000 | 107,727,000 |
| Noninterest-bearing deposits | 25,124,000 | 28,367,000 | 27,164,000 | 29,179,000 |
| Equity capital | 11,606,000 | 11,683,000 | 11,735,000 | 11,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,491,000 | 3,752,000 | 4,995,000 |
| Interest expense | 109,000 | 219,000 | 328,000 | 441,000 |
| Net interest income | 1,140,000 | 2,272,000 | 3,424,000 | 4,554,000 |
| Noninterest income | 63,000 | 134,000 | 210,000 | 303,000 |
| Noninterest expense | 796,000 | 1,555,000 | 2,348,000 | 3,204,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 431,000 | 878,000 | 1,313,000 | 1,680,000 |
| Income tax | 75,000 | 175,000 | 275,000 | 380,000 |
| Net income | 356,000 | 703,000 | 1,038,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,619,000 | 12,943,000 | 12,785,000 | 13,048,000 |
| Total capital | 13,034,000 | 13,357,000 | 13,209,000 | 13,473,000 |
| Risk-weighted assets | 65,751,000 | 66,081,000 | 66,155,000 | 68,196,000 |