Call reports 2022
CAYUGA LAKE NATIONAL BANK — 2022
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 240,498,000 | 242,022,000 | 252,854,000 | 257,690,000 |
| Total loans | 152,224,000 | 160,599,000 | 165,781,000 | 170,851,000 |
| Allowance for loan losses | 1,904,000 | 1,930,000 | 2,161,000 | 2,133,000 |
| Securities available for sale | 68,630,000 | 65,379,000 | 58,464,000 | 59,388,000 |
| Securities held to maturity | 2,087,000 | 4,068,000 | 7,324,000 | 8,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,488,000 | 219,936,000 | 237,168,000 | 240,076,000 |
| Interest-bearing deposits | 163,093,000 | 156,928,000 | 173,665,000 | 178,075,000 |
| Noninterest-bearing deposits | 57,395,000 | 63,008,000 | 63,503,000 | 62,001,000 |
| Equity capital | 19,289,000 | 16,799,000 | 14,868,000 | 16,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,002,000 | 4,017,000 | 6,219,000 | 8,635,000 |
| Interest expense | 77,000 | 175,000 | 452,000 | 894,000 |
| Net interest income | 1,925,000 | 3,842,000 | 5,767,000 | 7,741,000 |
| Noninterest income | 153,000 | 319,000 | 485,000 | 674,000 |
| Noninterest expense | 1,364,000 | 2,795,000 | 4,239,000 | 5,583,000 |
| Provision for loan losses | 214,000 | 390,000 | 625,000 | 749,000 |
| Pretax income | 495,000 | 971,000 | 1,386,000 | 2,081,000 |
| Income tax | 40,000 | 123,000 | 173,000 | 222,000 |
| Net income | 455,000 | 848,000 | 1,213,000 | 1,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,350,000 | 22,743,000 | 23,108,000 | 23,755,000 |
| Total capital | 24,115,000 | 24,630,000 | 25,057,000 | 25,739,000 |
| Risk-weighted assets | 140,998,000 | 150,836,000 | 155,671,000 | 158,473,000 |
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