Call reports 2021
CAYUGA LAKE NATIONAL BANK — 2021
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 205,306,000 | 212,077,000 | 228,889,000 | 237,610,000 |
| Total loans | 128,227,000 | 135,360,000 | 140,085,000 | 146,691,000 |
| Allowance for loan losses | 1,079,000 | 1,335,000 | 1,495,000 | 1,690,000 |
| Securities available for sale | 55,604,000 | 59,679,000 | 68,902,000 | 67,723,000 |
| Securities held to maturity | 2,543,000 | 2,512,000 | 2,441,000 | 2,188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,677,000 | 188,906,000 | 205,704,000 | 214,605,000 |
| Interest-bearing deposits | 132,943,000 | 129,036,000 | 148,936,000 | 155,483,000 |
| Noninterest-bearing deposits | 50,734,000 | 59,870,000 | 56,768,000 | 59,122,000 |
| Equity capital | 20,577,000 | 21,363,000 | 21,703,000 | 21,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,272,000 | 5,190,000 | 7,048,000 |
| Interest expense | 68,000 | 135,000 | 208,000 | 287,000 |
| Net interest income | 1,522,000 | 3,137,000 | 4,982,000 | 6,761,000 |
| Noninterest income | 139,000 | 275,000 | 416,000 | 562,000 |
| Noninterest expense | 998,000 | 2,162,000 | 3,507,000 | 4,843,000 |
| Provision for loan losses | 264,000 | 534,000 | 694,000 | 904,000 |
| Pretax income | 403,000 | 860,000 | 1,537,000 | 1,921,000 |
| Income tax | 76,000 | 151,000 | 226,000 | 91,000 |
| Net income | 327,000 | 709,000 | 1,311,000 | 1,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,393,000 | 20,773,000 | 21,377,000 | 21,895,000 |
| Total capital | 21,518,000 | 22,179,000 | 22,943,000 | 23,527,000 |
| Risk-weighted assets | 107,003,000 | 114,820,000 | 128,216,000 | 130,407,000 |
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