Cayuga Lake National Bank in city_name, state_name - Detailed Financial Reports, Location

Cayuga Lake National Bank in Union Springs, New York (NY)
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Cayuga Lake National Bank routing number info

Cayuga Lake National Bank - Overview

General
FDIC Certificate #: 6954
Status: Active
Federal Reserve ID: 63201
Bank Holding Company (Regulatory Top Holder): Cayuga Lake Bank Corporation (RSSDID: 1249075, Location: Union Springs, NY)
Date Established: January 01, 1864
WWW: http://www.cayugalakenationalbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 4665
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 3 Cayuga Street, Union Springs, NY 13160
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $119.1 mil
Equity capital: $11.2 mil
Deposits held in domestic offices: $106.3 mil
Return on assets (ROA): 1.13% ($1.3 mil)
Quarterly return on assets: 0.84% ($1.0 mil)
Return on Equity (ROE): 11.88% ($1.3 mil)
Quarterly return on equity: 8.92% ($1.0 mil)
Net income: $1.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.45% ($1,727.6 mil)
Quarterly Pretax return on assets: 1.18% ($1,405.9 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, 2011)

Dollar figures in thousands
22Total employees (full-time equivalent)
$119,148Total assets
$2,153Cash and due from depository institutions
$152Interest-bearing balances
$40,395Securities
$9,493Federal funds sold & reverse repurchase agreements
$64,713Net loans & leases
$370Loan loss allowance
$0Trading account assets
$548Bank premises and fixed assets
$64Other real estate owned
$0Goodwill and other intangibles
$119,148Life insurance assets
$1,782All other assets
$107,899Total liabilities and capital
$106,276Total liabilities
$86,688Total deposits
$106,276Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,623Subordinated debt
$11,249All other liabilities
$11,249Total equity capital
$11,249Total bank equity capital
$0Perpetual preferred stock
$123Common stock
$500Surplus
$10,626Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$111Income earned, not collected on loans
$0Earning assets
$186Long-term assets (5+ years)
$114,753Average Assets, year-to-date
$80,928Average Assets, quarterly
$115,119Volatile liabilities
$118,418Insider loans
$61,774FHLB advances
$117,360Loans and leases held for sale
$251Unused loan commitments
$251Tier 1 (core) risk-based capital
$11,805Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,944Restructured Loans and leases
$1,276Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,180Total interest income
$803Total interest expense
$4,377Net interest income
$66Provision for loan and lease losses
$328Total noninterest income
$0Fiduciary activities
$165Service charges on deposit accounts
$0Trading account gains & fees
$163Additional noninterest income
$2,975Total noninterest expense
$1,649Salaries and employee benefits
$353Premises and equipment expense
$973Additional noninterest expense
$1,664Pre-tax net operating income
$0Securities gains (losses)
$366Applicable income taxes
$1,298Income before extraordinary items
$0Extraordinary gains - net
$1,298Net income attributable to bank
$0Net charge-offs
$1,298Cash dividends
$57Sale, conversion, retirement of capital stock, net
$986Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.68%Yield on earning assets
0.73%Cost of funding earning assets
3.96%Net interest margin
0.30%Noninterest income to earning assets
2.69%Noninterest expense to earning assets
1.13%Net operating income to assets
1.13%Return on assets (ROA)
1.45%Pretax return on assets
11.88%Return on equity (ROE)
2.86%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
115.79%Credit loss provision to net charge-offs
30.35%Efficiency ratio
63,231Assets per employee
5.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.96%Loss allowance to loans
0.57%Loss allowance to noncurrent loans
333.33%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.17%Net loans and leases to deposits
60.89%Net loans and leases to core deposits
70.66%Equity capital to assets
9.44%Core capital (leverage) ratio
10.06%Tier 1 risk-based capital ratio
19.11%Total risk-based capital ratio
Memoranda
$20Average assets
$115,119Average earning assets
$10,928Average equity
$110,577Average loans

List of branches

2 New York Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	4665	Cayuga Lake National Bank	3 Cayuga Street, Union Springs, NY 13160	January 01, 1864	Full Service Brick and Mortar
1	213190	Aurora Branch	2 Main Street, Aurora, NY 13026	January 18, 1960	Full Service Brick and Mortar

Cayuga Lake National Bank in Union Springs, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cayuga Lake National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Cayuga Lake National Bank in Union Springs, New York (NY)Overview, Financial Summary, Detailed Financial Reports, Branches

Cayuga Lake National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Cayuga Lake National Bank in Union Springs, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches