Call reports 2019
CAYUGA LAKE NATIONAL BANK — 2019
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 152,127,000 | 152,313,000 | 153,844,000 | 155,726,000 |
| Total loans | 69,154,000 | 70,003,000 | 73,508,000 | 75,981,000 |
| Allowance for loan losses | 392,000 | 384,000 | 405,000 | 410,000 |
| Securities available for sale | 51,110,000 | 54,382,000 | 54,389,000 | 57,101,000 |
| Securities held to maturity | 6,458,000 | 5,163,000 | 4,767,000 | 3,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,374,000 | 137,542,000 | 138,539,000 | 140,736,000 |
| Interest-bearing deposits | 106,566,000 | 105,900,000 | 107,013,000 | 105,383,000 |
| Noninterest-bearing deposits | 31,808,000 | 31,642,000 | 31,526,000 | 35,354,000 |
| Equity capital | 12,274,000 | 13,159,000 | 13,715,000 | 14,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,614,000 | 3,992,000 | 5,352,000 |
| Interest expense | 195,000 | 421,000 | 662,000 | 901,000 |
| Net interest income | 1,094,000 | 2,193,000 | 3,330,000 | 4,451,000 |
| Noninterest income | 98,000 | 201,000 | 341,000 | 449,000 |
| Noninterest expense | 839,000 | 1,745,000 | 2,649,000 | 3,851,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 30,000 |
| Pretax income | 363,000 | 664,000 | 1,009,000 | 1,026,000 |
| Income tax | 60,000 | 90,000 | 90,000 | 90,000 |
| Net income | 303,000 | 574,000 | 919,000 | 936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,581,000 | 13,851,000 | 14,198,000 | 14,214,000 |
| Total capital | 14,019,000 | 14,281,000 | 14,649,000 | 14,670,000 |
| Risk-weighted assets | 70,705,000 | 66,281,000 | 69,079,000 | 71,742,000 |
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