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 (4.5 on a scale of 0 to 10). A current level of 15.5 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Fair asset quality (4.3).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 18.7 and a capital leverage ratio of 9.3. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (2.7) profitability.
Asset Mix:
Home mtgs (40%), securities (30%), comm re (11%), comm loans (6%), cash (4%), consumer loans (2%), home eq lns (2%), other (5%)
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
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