Call reports 2026
CAYUGA LAKE NATIONAL BANK — 2026
What CAYUGA LAKE NATIONAL BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 281,055,000 | 273,740,000 |
| Total loans | 175,684,000 | 175,210,000 |
| Allowance for loan losses | 2,339,000 | 2,158,000 |
| Securities available for sale | 63,325,000 | 65,154,000 |
| Securities held to maturity | 16,908,000 | 16,687,000 |
| Trading assets | 0 | 0 |
| Total deposits | 257,261,000 | 249,068,000 |
| Interest-bearing deposits | 197,652,000 | 184,186,000 |
| Noninterest-bearing deposits | 59,609,000 | 64,882,000 |
| Equity capital | 20,936,000 | 21,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,000,000 | 5,995,000 |
| Interest expense | 979,000 | 1,949,000 |
| Net interest income | 2,021,000 | 4,046,000 |
| Noninterest income | 186,000 | 412,000 |
| Noninterest expense | 1,856,000 | 3,718,000 |
| Provision for loan losses | -54,000 | -183,000 |
| Pretax income | 418,000 | 962,000 |
| Income tax | 54,000 | 125,000 |
| Net income | 364,000 | 837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 26,035,000 | 26,194,000 |
| Total capital | 27,931,000 | 28,075,000 |
| Risk-weighted assets | 151,204,000 | 150,183,000 |