Call reports 2020
CAYUGA LAKE NATIONAL BANK — 2020
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 157,150,000 | 185,080,000 | 186,462,000 | 196,742,000 |
| Total loans | 81,630,000 | 102,473,000 | 111,944,000 | 114,868,000 |
| Allowance for loan losses | 464,000 | 513,000 | 652,000 | 823,000 |
| Securities available for sale | 54,169,000 | 61,957,000 | 57,662,000 | 58,077,000 |
| Securities held to maturity | 3,722,000 | 3,067,000 | 2,780,000 | 2,653,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,732,000 | 168,674,000 | 169,820,000 | 174,505,000 |
| Interest-bearing deposits | 108,701,000 | 125,870,000 | 131,409,000 | 126,298,000 |
| Noninterest-bearing deposits | 34,030,000 | 42,804,000 | 38,411,000 | 48,207,000 |
| Equity capital | 13,613,000 | 14,980,000 | 15,260,000 | 20,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,367,000 | 2,832,000 | 4,414,000 | 6,198,000 |
| Interest expense | 218,000 | 386,000 | 502,000 | 580,000 |
| Net interest income | 1,149,000 | 2,446,000 | 3,912,000 | 5,618,000 |
| Noninterest income | 109,000 | 210,000 | 325,000 | 451,000 |
| Noninterest expense | 986,000 | 2,001,000 | 3,200,000 | 4,526,000 |
| Provision for loan losses | 55,000 | 110,000 | 269,000 | 449,000 |
| Pretax income | 251,000 | 697,000 | 1,133,000 | 1,459,000 |
| Income tax | 0 | 65,000 | 197,000 | 96,000 |
| Net income | 251,000 | 632,000 | 936,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,954,000 | 14,328,000 | 14,637,000 | 20,064,000 |
| Total capital | 14,464,000 | 14,887,000 | 15,335,000 | 20,933,000 |
| Risk-weighted assets | 73,602,000 | 88,221,000 | 96,015,000 | 102,414,000 |