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

  • Cayuga Lake National Bank in Union Springs, New York (NY)
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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
    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
  • NoIDNameAddressEstablishedService TypeMap
    04665Cayuga Lake National Bank3 Cayuga Street, Union Springs, NY 13160January 01, 1864Full Service Brick and Mortar
    1213190Aurora Branch2 Main Street, Aurora, NY 13026January 18, 1960Full Service Brick and Mortar

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