Call reports 2001
CAYUGA BANK — 2001
What CAYUGA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 637,788,000 | 625,738,000 | 613,558,000 | 611,771,000 |
| Total loans | 448,371,000 | 440,862,000 | 430,339,000 | 413,647,000 |
| Allowance for loan losses | 3,818,000 | 3,930,000 | 4,105,000 | 4,217,000 |
| Securities available for sale | 97,136,000 | 99,273,000 | 97,351,000 | 99,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,051,000 | 469,048,000 | 461,254,000 | 455,546,000 |
| Interest-bearing deposits | 445,524,000 | 432,819,000 | 417,776,000 | 414,722,000 |
| Noninterest-bearing deposits | 35,527,000 | 36,229,000 | 43,478,000 | 40,824,000 |
| Equity capital | 81,693,000 | 82,491,000 | 80,630,000 | 77,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 10,598,000 | 21,051,000 | 31,118,000 | 40,658,000 |
| Interest expense | 5,993,000 | 11,790,000 | 17,062,000 | 21,814,000 |
| Net interest income | 4,605,000 | 9,261,000 | 14,056,000 | 18,844,000 |
| Noninterest income | 750,000 | 1,666,000 | 2,704,000 | 3,838,000 |
| Noninterest expense | 3,879,000 | 7,501,000 | 12,154,000 | 16,019,000 |
| Provision for loan losses | 337,000 | 675,000 | 1,013,000 | 1,650,000 |
| Pretax income | 1,140,000 | 2,752,000 | 3,611,000 | 5,032,000 |
| Income tax | 544,000 | 1,232,000 | 1,612,000 | 2,240,000 |
| Net income | 596,000 | 1,520,000 | 1,999,000 | 2,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,259,000 | 39,013,000 | 36,924,000 | 35,375,000 |
| Total capital | 41,083,000 | 42,946,000 | 41,029,000 | 39,592,000 |
| Risk-weighted assets | 360,530,000 | 355,827,000 | 356,749,000 | 344,274,000 |