Cayuga Bank in Auburn, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 08, 2002

  • Cayuga Bank in Auburn, New York (NY)
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Cayuga Bank - Overview

  • General
  • FDIC Certificate #: 15956
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Niagara Bank, National Association (#16004)
    Federal Reserve ID: 863803
    Date Established: January 01, 1865
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Interstate: No)
    OTS Docket #: 9730
    FDIC's unique #: 10187
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 01, 1943
    Last Structure Change Effective Date: November 08, 2002
    Last Structure Change Process Date: December 13, 2002
    Last Data Update: December 13, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 109-115 Genesee Street, Auburn, NY 13021
    County: Cayuga
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Syracuse, NY (#8160)
    Combined Statistical Area (CSA): Syracuse-Auburn, NY (#532)
    Core Based Statistical Area (CBSA): Auburn, NY (#12180)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $611.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2001)

  • Dollar figures in thousands
  • 121Total employees (full-time equivalent)
  • $611,771Total assets
  • $16,126Cash and due from depository institutions
  • $28Interest-bearing balances
  • $99,932Securities
  • $15,900Federal funds sold & reverse repurchase agreements
  • $409,430Net loans & leases
  • $4,217Loan loss allowance
  • $0Trading account assets
  • $9,504Bank premises and fixed assets
  • $351Other real estate owned
  • $41,639Goodwill and other intangibles
  • $0Life insurance assets
  • $18,889All other assets
  • $611,771Total liabilities and capital
  • $533,965Total liabilities
  • $455,546Total deposits
  • $414,722Interest-bearing deposits
  • $455,546Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $7,526Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $66,358Other borrowed funds
  • $0Subordinated debt
  • $4,535All other liabilities
  • $77,806Total equity capital
  • $77,806Total bank equity capital
  • $77,806Perpetual preferred stock
  • $0Common stock
  • $10,000Surplus
  • $69,483Undivided profits
  • Memoranda
  • $-1,677Noncurrent loans and leases
  • $47,761Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,088Earning assets
  • $0Long-term assets (5+ years)
  • $2,980Average Assets, year-to-date
  • $525,290Average Assets, quarterly
  • $271,932Volatile liabilities
  • $623,764Insider loans
  • $612,665FHLB advances
  • $82,772Loans and leases held for sale
  • $1,696Unused loan commitments
  • $66,358Tier 1 (core) risk-based capital
  • $959Tier 2 risk-based capital
  • $959Total risk weighted assets
  • $47,761Total unused commitments
  • $0Restructured Loans and leases
  • $4,217Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $40,658Total interest income
  • $21,814Total interest expense
  • $18,844Net interest income
  • $1,650Provision for loan and lease losses
  • $3,838Total noninterest income
  • $363Fiduciary activities
  • $1,674Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,801Additional noninterest income
  • $16,019Total noninterest expense
  • $5,639Salaries and employee benefits
  • $1,869Premises and equipment expense
  • $8,511Additional noninterest expense
  • $5,013Pre-tax net operating income
  • $19Securities gains (losses)
  • $2,240Applicable income taxes
  • $2,792Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,792Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,189Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.57%Yield on earning assets
  • 4.06%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 3.46%Return on equity (ROE)
  • -3.98%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 138.77%Credit loss provision to net charge-offs
  • 5.60%Efficiency ratio
  • 60,907Assets per employee
  • 5.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 214.90%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 136.56%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.75%Net loans and leases to deposits
  • 89.88%Net loans and leases to core deposits
  • 101.40%Equity capital to assets
  • 12.72%Core capital (leverage) ratio
  • 6.21%Tier 1 risk-based capital ratio
  • 10.28%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $623,764Average earning assets
  • $80,652Average equity
  • $536,900Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $51,881Managed Assets
  • 1Number of Accounts
  • $35,346Personal trust and agency accounts
  • $9,672Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,051Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $20,623Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 112Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $16,535Other retirement accounts
  • $15,172Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,363Fiduciary accounts held in foreign offices

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