Call reports 2016
CAYUGA LAKE NATIONAL BANK — 2016
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 152,652,000 | 152,284,000 | 150,863,000 | 154,783,000 |
| Total loans | 69,069,000 | 69,761,000 | 68,834,000 | 70,234,000 |
| Allowance for loan losses | 367,000 | 367,000 | 368,000 | 368,000 |
| Securities available for sale | 15,462,000 | 8,895,000 | 6,519,000 | 6,193,000 |
| Securities held to maturity | 30,845,000 | 38,848,000 | 42,472,000 | 48,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,877,000 | 137,090,000 | 135,879,000 | 139,747,000 |
| Interest-bearing deposits | 110,027,000 | 108,603,000 | 110,728,000 | 109,193,000 |
| Noninterest-bearing deposits | 27,850,000 | 28,487,000 | 25,151,000 | 30,554,000 |
| Equity capital | 11,921,000 | 12,323,000 | 12,114,000 | 12,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,480,000 | 3,691,000 | 4,929,000 |
| Interest expense | 107,000 | 211,000 | 314,000 | 416,000 |
| Net interest income | 1,144,000 | 2,269,000 | 3,377,000 | 4,513,000 |
| Noninterest income | 65,000 | 136,000 | 215,000 | 314,000 |
| Noninterest expense | 819,000 | 1,575,000 | 2,413,000 | 3,391,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 391,000 | 840,000 | 1,190,000 | 1,447,000 |
| Income tax | 72,000 | 159,000 | 230,000 | 290,000 |
| Net income | 319,000 | 681,000 | 960,000 | 1,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,876,000 | 13,274,000 | 13,062,000 | 13,223,000 |
| Total capital | 13,289,000 | 13,687,000 | 13,476,000 | 13,637,000 |
| Risk-weighted assets | 69,239,000 | 69,897,000 | 70,189,000 | 70,861,000 |