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



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Cayuga Lake National Bank routing number info

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Cayuga Lake National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)22
Total assets$119,148
Cash and due from depository institutions$2,153
Interest-bearing balances$152
Securities$40,395
Federal funds sold & reverse repurchase agreements$9,493
Net loans & leases$64,713
Loan loss allowance $370
Trading account assets$0
Bank premises and fixed assets$548
Other real estate owned$64
Goodwill and other intangibles$0
All other assets$1,782
Life insurance assets$119,148
Total liabilities and capital$107,899
Total liabilities$106,276
Total deposits$86,688
Interest-bearing deposits$106,276
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,623
All other liabilities $11,249
Total equity capital$11,249
Total bank equity capital$11,249
Perpetual preferred stock$0
Common stock$123
Surplus$500
Undivided profits $10,626
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $111
Earning assets $0
Long-term assets (5+ years) $186
Average Assets, year-to-date $114,753
Average Assets, quarterly $80,928
Volatile liabilities $115,119
Insider loans $118,418
FHLB advances $61,774
Loans and leases held for sale $117,360
Unused loan commitments $251
Tier 1 (core) risk-based capital $251
Tier 2 risk-based capital $11,805
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,944
Derivatives$1,276
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,180
Total interest expense $803
Net interest income $4,377
Provision for loan and lease losses $66
Total noninterest income $328
Fiduciary activities $0
Service charges on deposit accounts $165
Trading account gains & fees $0
Additional noninterest income $163
Total noninterest expense $2,975
Salaries and employee benefits $1,649
Premises and equipment expense $353
Additional noninterest expense $973
Pre-tax net operating income $1,664
Securities gains (losses) $0
Applicable income taxes $366
Income before extraordinary items $1,298
Extraordinary gains - net $0
Net income attributable to bank $1,298
Net charge-offs $0
Cash dividends $1,298
Sale, conversion, retirement of capital stock, net $57
Net operating income $986
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.68%
Cost of funding earning assets 0.73%
Net interest margin 3.96%
Noninterest income to earning assets 0.30%
Noninterest expense to earning assets 2.69%
Net operating income to assets 1.13%
Return on assets (ROA) 1.13%
Pretax return on assets 1.45%
Return on equity (ROE) 11.88%
Retained earnings to average equity (YTD only) 2.86%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 115.79%
Efficiency ratio30.35%
Assets per employee$63,231
Cash dividends to net income (YTD only)5.42%
Condition Ratios (%)
Loss allowance to loans 75.96%
Loss allowance to noncurrent loans 0.57%
Noncurrent assets plus other real estate owned to assets 333.33%
Noncurrent loans to loans 0.15%
Net loans and leases to deposits0.17%
Net loans and leases to core deposits 60.89%
Equity capital to assets 70.66%
Core capital (leverage) ratio 9.44%
Tier 1 risk-based capital ratio 10.06%
Total risk-based capital ratio 19.11%
Memoranda
Average assets$20
Average earning assets$115,119
Average equity $10,928
Average loans $110,577
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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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