Call reports 2024
CAYUGA LAKE NATIONAL BANK — 2024
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 282,036,000 | 285,413,000 | 285,129,000 | 281,913,000 |
| Total loans | 190,066,000 | 191,458,000 | 190,495,000 | 189,201,000 |
| Allowance for loan losses | 2,501,000 | 2,651,000 | 2,579,000 | 2,599,000 |
| Securities available for sale | 59,217,000 | 58,474,000 | 59,303,000 | 56,721,000 |
| Securities held to maturity | 19,221,000 | 18,605,000 | 18,576,000 | 18,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,867,000 | 259,661,000 | 249,326,000 | 256,658,000 |
| Interest-bearing deposits | 207,027,000 | 202,870,000 | 194,756,000 | 193,579,000 |
| Noninterest-bearing deposits | 52,840,000 | 56,791,000 | 54,570,000 | 63,079,000 |
| Equity capital | 18,299,000 | 18,771,000 | 20,357,000 | 19,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,210,000 | 6,374,000 | 9,582,000 | 12,758,000 |
| Interest expense | 1,513,000 | 3,083,000 | 4,523,000 | 5,839,000 |
| Net interest income | 1,697,000 | 3,291,000 | 5,059,000 | 6,919,000 |
| Noninterest income | 157,000 | 461,000 | 635,000 | 814,000 |
| Noninterest expense | 1,598,000 | 3,291,000 | 4,936,000 | 6,490,000 |
| Provision for loan losses | 117,000 | 411,000 | 478,000 | 574,000 |
| Pretax income | 139,000 | 50,000 | 282,000 | 681,000 |
| Income tax | 8,000 | 3,000 | 21,000 | -52,000 |
| Net income | 131,000 | 47,000 | 261,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,199,000 | 25,117,000 | 25,329,000 | 25,801,000 |
| Total capital | 27,253,000 | 27,210,000 | 27,349,000 | 27,823,000 |
| Risk-weighted assets | 163,841,000 | 166,842,000 | 160,965,000 | 161,176,000 |