Call reports 2001
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2001
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 619,527,000 | 655,103,000 | 674,396,000 | 724,326,000 |
| Total loans | 466,767,000 | 494,044,000 | 512,543,000 | 534,656,000 |
| Allowance for loan losses | 4,905,000 | 5,075,000 | 5,356,000 | 5,480,000 |
| Securities available for sale | 381,000 | 381,000 | 414,000 | 441,000 |
| Securities held to maturity | 100,238,000 | 105,323,000 | 98,785,000 | 118,449,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,984,000 | 578,442,000 | 609,555,000 | 672,978,000 |
| Interest-bearing deposits | 472,279,000 | 486,195,000 | 514,962,000 | 579,427,000 |
| Noninterest-bearing deposits | 92,705,000 | 92,247,000 | 94,593,000 | 93,551,000 |
| Equity capital | 41,682,000 | 43,783,000 | 44,659,000 | 45,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 10,964,000 | 21,717,000 | 32,630,000 | 43,152,000 |
| Interest expense | 4,890,000 | 9,491,000 | 13,908,000 | 17,977,000 |
| Net interest income | 6,074,000 | 12,226,000 | 18,722,000 | 25,175,000 |
| Noninterest income | 2,393,000 | 4,800,000 | 7,223,000 | 9,334,000 |
| Noninterest expense | 6,379,000 | 12,761,000 | 18,776,000 | 25,617,000 |
| Provision for loan losses | 438,000 | 797,000 | 1,178,000 | 1,430,000 |
| Pretax income | 1,650,000 | 3,468,000 | 5,991,000 | 7,462,000 |
| Income tax | 486,000 | 1,103,000 | 1,878,000 | 2,350,000 |
| Net income | 1,164,000 | 2,365,000 | 4,113,000 | 5,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,505,000 | 43,608,000 | 44,453,000 | 45,455,000 |
| Total capital | 46,410,000 | 48,850,000 | 49,991,000 | 51,129,000 |
| Risk-weighted assets | 463,746,000 | 486,456,000 | 511,421,000 | 545,030,000 |