Call reports 2002
CAYUGA BANK — 2002
What CAYUGA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 645,489,000 | 641,404,000 | 611,274,000 |
| Total loans | 397,141,000 | 391,846,000 | 384,287,000 |
| Allowance for loan losses | 4,189,000 | 4,310,000 | 4,446,000 |
| Securities available for sale | 148,979,000 | 146,097,000 | 125,351,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 497,324,000 | 498,835,000 | 470,306,000 |
| Interest-bearing deposits | 461,443,000 | 457,221,000 | 429,192,000 |
| Noninterest-bearing deposits | 35,881,000 | 41,614,000 | 41,114,000 |
| Equity capital | 78,669,000 | 80,659,000 | 82,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Interest income | 8,971,000 | 17,845,000 | 26,502,000 |
| Interest expense | 4,293,000 | 8,479,000 | 12,241,000 |
| Net interest income | 4,678,000 | 9,366,000 | 14,261,000 |
| Noninterest income | 1,094,000 | 2,256,000 | 3,523,000 |
| Noninterest expense | 3,300,000 | 6,400,000 | 9,574,000 |
| Provision for loan losses | 306,000 | 812,000 | 1,418,000 |
| Pretax income | 2,182,000 | 4,601,000 | 7,501,000 |
| Income tax | 723,000 | 1,576,000 | 2,503,000 |
| Net income | 1,459,000 | 3,025,000 | 4,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 36,522,000 | 37,776,000 | 39,444,000 |
| Total capital | 40,711,000 | 42,086,000 | 43,890,000 |
| Risk-weighted assets | 387,092,000 | 366,263,000 | 357,960,000 |