Call reports 2025
CAYUGA LAKE NATIONAL BANK — 2025
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 280,834,000 | 276,102,000 | 274,101,000 | 287,613,000 |
| Total loans | 181,201,000 | 178,826,000 | 175,158,000 | 175,686,000 |
| Allowance for loan losses | 2,516,000 | 2,479,000 | 2,386,000 | 2,392,000 |
| Securities available for sale | 59,066,000 | 61,086,000 | 61,454,000 | 62,582,000 |
| Securities held to maturity | 17,362,000 | 17,269,000 | 17,134,000 | 16,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,928,000 | 252,210,000 | 249,133,000 | 263,666,000 |
| Interest-bearing deposits | 203,350,000 | 194,934,000 | 190,225,000 | 187,571,000 |
| Noninterest-bearing deposits | 53,578,000 | 57,276,000 | 58,908,000 | 76,095,000 |
| Equity capital | 20,089,000 | 19,981,000 | 21,759,000 | 21,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 6,141,000 | 9,187,000 | 12,242,000 |
| Interest expense | 1,198,000 | 2,365,000 | 3,446,000 | 4,467,000 |
| Net interest income | 1,854,000 | 3,776,000 | 5,741,000 | 7,775,000 |
| Noninterest income | 214,000 | 420,000 | 663,000 | 861,000 |
| Noninterest expense | 1,673,000 | 3,314,000 | 5,079,000 | 6,881,000 |
| Provision for loan losses | -65,000 | -102,000 | -279,000 | -310,000 |
| Pretax income | 452,000 | 985,000 | 1,604,000 | 2,059,000 |
| Income tax | 34,000 | 74,000 | 120,000 | 224,000 |
| Net income | 418,000 | 911,000 | 1,484,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,220,000 | 26,712,000 | 27,284,000 | 26,116,000 |
| Total capital | 28,141,000 | 28,603,000 | 29,161,000 | 27,997,000 |
| Risk-weighted assets | 153,030,000 | 150,643,000 | 149,595,000 | 149,913,000 |