Call reports 2002
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2002
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 723,433,000 | 772,673,000 | 802,858,000 | 815,525,000 |
| Total loans | 523,108,000 | 530,437,000 | 556,003,000 | 586,759,000 |
| Allowance for loan losses | 5,588,000 | 5,536,000 | 5,776,000 | 6,162,000 |
| Securities available for sale | 1,503,000 | 15,938,000 | 27,158,000 | 37,910,000 |
| Securities held to maturity | 117,962,000 | 118,516,000 | 117,306,000 | 117,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,444,000 | 710,284,000 | 738,453,000 | 747,922,000 |
| Interest-bearing deposits | 581,268,000 | 613,635,000 | 639,432,000 | 641,491,000 |
| Noninterest-bearing deposits | 91,176,000 | 96,649,000 | 99,021,000 | 106,431,000 |
| Equity capital | 46,216,000 | 57,709,000 | 57,851,000 | 59,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,253,000 | 20,662,000 | 31,339,000 | 42,038,000 |
| Interest expense | 3,748,000 | 7,260,000 | 10,775,000 | 14,005,000 |
| Net interest income | 6,505,000 | 13,402,000 | 20,564,000 | 28,033,000 |
| Noninterest income | 2,470,000 | 4,816,000 | 7,275,000 | 10,574,000 |
| Noninterest expense | 6,626,000 | 13,389,000 | 20,636,000 | 27,912,000 |
| Provision for loan losses | 241,000 | 661,000 | 1,776,000 | 2,306,000 |
| Pretax income | 2,108,000 | 4,168,000 | 5,427,000 | 8,908,000 |
| Income tax | 718,000 | 1,384,000 | 1,582,000 | 2,711,000 |
| Net income | 1,390,000 | 2,784,000 | 3,845,000 | 6,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,966,000 | 57,359,000 | 57,431,000 | 59,717,000 |
| Total capital | 51,780,000 | 63,158,000 | 63,423,000 | 65,879,000 |
| Risk-weighted assets | 542,048,000 | 550,933,000 | 575,848,000 | 602,413,000 |