Call reports 2004
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2004
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 904,647,000 | 914,700,000 | 965,009,000 | 965,612,000 |
| Total loans | 619,403,000 | 647,362,000 | 676,003,000 | 676,832,000 |
| Allowance for loan losses | 6,511,000 | 6,797,000 | 7,012,000 | 7,215,000 |
| Securities available for sale | 68,449,000 | 72,356,000 | 74,848,000 | 78,044,000 |
| Securities held to maturity | 119,425,000 | 119,099,000 | 120,194,000 | 116,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 827,926,000 | 837,027,000 | 885,772,000 | 882,917,000 |
| Interest-bearing deposits | 709,876,000 | 705,800,000 | 745,699,000 | 743,622,000 |
| Noninterest-bearing deposits | 118,050,000 | 131,227,000 | 140,073,000 | 139,295,000 |
| Equity capital | 70,495,000 | 72,010,000 | 73,456,000 | 76,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 10,632,000 | 21,439,000 | 32,532,000 | 44,340,000 |
| Interest expense | 1,973,000 | 3,816,000 | 5,692,000 | 7,935,000 |
| Net interest income | 8,659,000 | 17,623,000 | 26,840,000 | 36,405,000 |
| Noninterest income | 2,553,000 | 5,314,000 | 8,037,000 | 10,979,000 |
| Noninterest expense | 7,657,000 | 15,403,000 | 23,323,000 | 31,334,000 |
| Provision for loan losses | 490,000 | 910,000 | 1,210,000 | 1,680,000 |
| Pretax income | 3,065,000 | 6,627,000 | 10,346,000 | 14,374,000 |
| Income tax | 797,000 | 1,683,000 | 2,683,000 | 3,841,000 |
| Net income | 2,268,000 | 4,944,000 | 7,663,000 | 10,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,814,000 | 72,545,000 | 73,088,000 | 76,067,000 |
| Total capital | 76,325,000 | 79,342,000 | 80,100,000 | 83,282,000 |
| Risk-weighted assets | 666,139,000 | 686,952,000 | 721,032,000 | 718,774,000 |