Vitals
  • Total Assets
    154.8M 2.2 %
  • Total Deposits
    139.7M 2.1 %
  • Total Net Loans
    69.9M 2.6 %
  • Net Income
    1.2M -11.0 %
  • Book Value
    12.2M 1.9 %
  • Book Value x2
    24.4M 1.9 %
  • Book Value x3
    36.6M 1.9 %
ROAA

.776

ROAE

9.556

Efficiency Ratio

65.674

Net Interest Margin

3.318

Balance Sheet Highlights
Financial Highlights Cayuga Lake National Bank All Insured Commercial Banks in New York
Balance Sheet $(000)
Total Assets 154,783 1,637,033
Total Net Loans 69,866 1,047,955
Total Deposits 139,747 1,296,950
Total Equity 12,205 187,165
Profitability
Net Income 1,157 13,254
Return on Average Assets .776 .773
Return on Average Equity 9.556 7.506
Net Interest Margin 3.318 3.19
Efficiency Ratio 65.674 65.064
Noninterest Income/Revenue 5.628 18.239
Balance Sheet Ratios
Loan-to-Deposit 49.995 73.986
Securities/Assets .356 .167
Total Equity/Total Assets .079 .114
Tangible Equity/Tangible Assets .079 .109
Capital Adequacy
Tier 1 Common Capital 13,223 154,500
Tier 1 Capital 13,223 155,066
Tier 2 Capital 414 9,750
Total Capital 13,637 168,084
Total Risk Weighted Assets 70,861 1,138,832
Leverage Ratio 8.75 10.188
Common Equity Tier 1 Capital Ratio 18.66 16.458
Tier 1 Capital Ratio 18.66 16.551
Total Capital Ratio 19.24 17.647

Timeline for Cayuga Lake National Bank

Cayuga Lake Bank Corporation

Cayuga Lake Bank Corporation became a new parent organization for Cayuga Lake National Bank.

View Profile Mar 31 1988

Bny Mellon, National Association

Bny Mellon, National Association became a new parent organization for Cayuga Lake National Bank.

View Profile Oct 21 1981

Hsbc Bank Usa

Hsbc Bank Usa became a new parent organization for Cayuga Lake National Bank.

View Profile Dec 31 1973

Cayuga Lake National Bank

Cayuga Lake National Bank was established 160 years ago and is currently headquartered in Union Springs, NY.

Jan 01 1864
Relationships Role Relationship Start Relationship End
Cayuga Lake Bank Corporation Parent 3/31/1988
Hsbc Bank Usa Parent 12/31/1973 12/30/1984
Bny Mellon, National Association Parent 10/21/1981 12/31/1982
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