Cayuga Lake National Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10). A current level of 13.5 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a risk-based capital ratio of 19.5 and a capital leverage ratio of 9.7. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability.
Asset Mix:
Home mtgs (40%), securities (28%), comm re (10%), comm loans (6%), cash (5%), home eq lns (3%), consumer loans (3%), other (4%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Cayuga Lake Bank Corporation
Investment Rating
--
Address
165 Cayuga Street
Union Springs, NY 13160
Union Springs, NY 13160
Phone Number
(315) 889-7358
Year Founded
1864
FDIC Number
Largest Affiliates
No affiliate information available.