Call reports 2017
CAYUGA LAKE NATIONAL BANK — 2017
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 150,845,000 | 155,188,000 | 156,166,000 | 157,619,000 |
| Total loans | 70,277,000 | 70,109,000 | 69,534,000 | 69,692,000 |
| Allowance for loan losses | 368,000 | 368,000 | 369,000 | 356,000 |
| Securities available for sale | 6,119,000 | 6,059,000 | 5,912,000 | 5,760,000 |
| Securities held to maturity | 49,824,000 | 49,123,000 | 50,692,000 | 52,914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,728,000 | 139,764,000 | 140,856,000 | 142,443,000 |
| Interest-bearing deposits | 107,868,000 | 112,169,000 | 112,759,000 | 109,323,000 |
| Noninterest-bearing deposits | 27,860,000 | 27,595,000 | 28,097,000 | 33,120,000 |
| Equity capital | 12,096,000 | 12,446,000 | 12,336,000 | 12,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,247,000 | 2,513,000 | 3,786,000 | 5,069,000 |
| Interest expense | 97,000 | 193,000 | 290,000 | 386,000 |
| Net interest income | 1,150,000 | 2,320,000 | 3,496,000 | 4,683,000 |
| Noninterest income | 78,000 | 158,000 | 244,000 | 330,000 |
| Noninterest expense | 797,000 | 1,638,000 | 2,423,000 | 3,384,000 |
| Provision for loan losses | 0 | 0 | 0 | -13,000 |
| Pretax income | 431,000 | 832,000 | 1,309,000 | 1,634,000 |
| Income tax | 75,000 | 155,000 | 240,000 | 665,000 |
| Net income | 356,000 | 677,000 | 1,069,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,085,000 | 13,405,000 | 13,304,000 | 12,863,000 |
| Total capital | 13,499,000 | 13,819,000 | 13,719,000 | 13,265,000 |
| Risk-weighted assets | 70,077,000 | 70,404,000 | 69,932,000 | 69,562,000 |