Call reports 2003
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2003
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 827,055,000 | 853,719,000 | 881,429,000 | 897,427,000 |
| Total loans | 585,637,000 | 587,723,000 | 592,854,000 | 602,196,000 |
| Allowance for loan losses | 6,191,000 | 6,163,000 | 6,223,000 | 6,331,000 |
| Securities available for sale | 37,994,000 | 38,609,000 | 47,774,000 | 55,937,000 |
| Securities held to maturity | 115,126,000 | 120,740,000 | 121,716,000 | 121,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 758,050,000 | 783,282,000 | 808,273,000 | 821,811,000 |
| Interest-bearing deposits | 655,687,000 | 666,302,000 | 685,889,000 | 703,711,000 |
| Noninterest-bearing deposits | 102,363,000 | 116,980,000 | 122,384,000 | 118,100,000 |
| Equity capital | 61,749,000 | 63,387,000 | 65,920,000 | 67,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 11,221,000 | 22,185,000 | 33,096,000 | 43,481,000 |
| Interest expense | 2,642,000 | 5,147,000 | 7,423,000 | 9,524,000 |
| Net interest income | 8,579,000 | 17,038,000 | 25,673,000 | 33,957,000 |
| Noninterest income | 2,361,000 | 4,489,000 | 6,674,000 | 9,382,000 |
| Noninterest expense | 7,241,000 | 14,897,000 | 22,092,000 | 29,825,000 |
| Provision for loan losses | 390,000 | 645,000 | 970,000 | 1,250,000 |
| Pretax income | 3,309,000 | 5,985,000 | 9,285,000 | 12,264,000 |
| Income tax | 1,086,000 | 2,105,000 | 3,031,000 | 3,815,000 |
| Net income | 2,223,000 | 3,880,000 | 6,254,000 | 8,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,436,000 | 63,069,000 | 65,422,000 | 67,613,000 |
| Total capital | 67,627,000 | 69,232,000 | 71,645,000 | 73,944,000 |
| Risk-weighted assets | 607,007,000 | 613,420,000 | 633,015,000 | 647,253,000 |