Call reports 2023
CAYUGA LAKE NATIONAL BANK — 2023
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 261,415,000 | 260,203,000 | 272,060,000 | 289,732,000 |
| Total loans | 170,962,000 | 173,638,000 | 179,981,000 | 187,562,000 |
| Allowance for loan losses | 2,185,000 | 2,216,000 | 2,247,000 | 2,400,000 |
| Securities available for sale | 60,463,000 | 58,986,000 | 57,254,000 | 60,805,000 |
| Securities held to maturity | 11,210,000 | 15,234,000 | 15,159,000 | 17,108,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,682,000 | 241,517,000 | 250,201,000 | 262,704,000 |
| Interest-bearing deposits | 183,954,000 | 180,675,000 | 188,252,000 | 197,282,000 |
| Noninterest-bearing deposits | 58,728,000 | 60,842,000 | 61,949,000 | 65,422,000 |
| Equity capital | 17,843,000 | 17,699,000 | 15,805,000 | 19,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,510,000 | 5,109,000 | 7,840,000 | 10,883,000 |
| Interest expense | 626,000 | 1,411,000 | 2,402,000 | 3,699,000 |
| Net interest income | 1,884,000 | 3,698,000 | 5,438,000 | 7,184,000 |
| Noninterest income | 153,000 | 322,000 | 481,000 | 709,000 |
| Noninterest expense | 1,603,000 | 3,184,000 | 4,715,000 | 6,175,000 |
| Provision for loan losses | 54,000 | 104,000 | 135,000 | 316,000 |
| Pretax income | 380,000 | 722,000 | 1,049,000 | 1,382,000 |
| Income tax | 43,000 | 79,000 | 103,000 | 68,000 |
| Net income | 337,000 | 643,000 | 946,000 | 1,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,092,000 | 24,396,000 | 24,701,000 | 25,069,000 |
| Total capital | 26,073,000 | 26,316,000 | 26,699,000 | 27,098,000 |
| Risk-weighted assets | 158,175,000 | 153,254,000 | 159,564,000 | 161,923,000 |