Call reports 2018
CAYUGA LAKE NATIONAL BANK — 2018
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 154,352,000 | 155,237,000 | 146,990,000 | 146,825,000 |
| Total loans | 68,465,000 | 68,573,000 | 68,671,000 | 67,972,000 |
| Allowance for loan losses | 356,000 | 397,000 | 392,000 | 392,000 |
| Securities available for sale | 5,386,000 | 5,000,000 | 4,760,000 | 50,846,000 |
| Securities held to maturity | 54,994,000 | 55,432,000 | 54,716,000 | 6,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,185,000 | 139,761,000 | 131,741,000 | 133,204,000 |
| Interest-bearing deposits | 106,034,000 | 108,527,000 | 102,737,000 | 100,587,000 |
| Noninterest-bearing deposits | 33,151,000 | 31,234,000 | 29,004,000 | 32,617,000 |
| Equity capital | 12,036,000 | 12,384,000 | 12,655,000 | 12,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,261,000 | 2,558,000 | 3,841,000 | 5,130,000 |
| Interest expense | 89,000 | 177,000 | 267,000 | 399,000 |
| Net interest income | 1,172,000 | 2,381,000 | 3,574,000 | 4,731,000 |
| Noninterest income | 111,000 | 215,000 | 326,000 | 429,000 |
| Noninterest expense | 790,000 | 1,637,000 | 2,068,000 | 3,048,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 492,000 | 913,000 | 1,791,000 | 1,601,000 |
| Income tax | 65,000 | 140,000 | 230,000 | 285,000 |
| Net income | 427,000 | 773,000 | 1,561,000 | 1,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,314,000 | 13,728,000 | 14,024,000 | 14,420,000 |
| Total capital | 13,716,000 | 14,171,000 | 14,462,000 | 14,858,000 |
| Risk-weighted assets | 70,560,000 | 72,910,000 | 64,426,000 | 68,733,000 |