Cayuga Lake National Bank

Cayuga Lake National Bank is headquartered in Union Springs and is the 153^rd largest bank in the state of New York. It is also the 4,464^th largest bank in the nation. It was established in 1864 and as of December of 2011, it had grown to 22 employees at 2 locations. Cayuga Lake National Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Cayuga Lake National Bank Routing Number: 021314814

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Data for Q4 2011

Institution Statistics Cayuga Lake National Bank FDIC Certificate # 6954 BankRate Report View Year Established 1864 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $119.15 million Loans $64.71 million Deposits $106.28 million Equity Capital $11.25 million Loan Loss Allowance $370,000 Unbacked Noncurrent Loans $111,000 Real Estate Owned $64,000 Historic Data - December 2010 Assets $108.71 million Equity Capital $10.78 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $18,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 1.13% Return on Equity 11.88% Interest Income $5.18 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Cayuga Lake National Bank had $175,000 in non-current loans and owned real-estate with $11.62 million in equity and loan loss allowances on hand to cover it. This gives Cayuga Lake National Bank a Texas Ratio of 1.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cayuga Lake National Bank held steady from 0.16% as of December 31, 2010 to 1.51% as of December 31, 2011, resulting in a negative change of 831.39%. This indicates that the balance sheet and financial strength for Cayuga Lake National Bank has held steady in recent periods. Deposit Growth In the past year, Cayuga Lake National Bank has increased its total deposits by $9.72 million, resulting in 10.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cayuga Lake National Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cayuga Lake National Bank has $119.15 million in assets with $11.62 million in equity, resulting in a capitalization level of 9.75%, which is average.

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