Call reports 2005
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2005
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 989,423,000 | 1,005,942,000 | 1,046,762,000 | 1,061,219,000 |
| Total loans | 701,171,000 | 736,719,000 | 767,662,000 | 778,339,000 |
| Allowance for loan losses | 7,414,000 | 7,702,000 | 7,945,000 | 7,986,000 |
| Securities available for sale | 84,040,000 | 86,757,000 | 84,892,000 | 86,724,000 |
| Securities held to maturity | 122,525,000 | 121,551,000 | 121,823,000 | 122,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 905,125,000 | 883,233,000 | 946,918,000 | 968,803,000 |
| Interest-bearing deposits | 761,199,000 | 737,324,000 | 795,875,000 | 813,075,000 |
| Noninterest-bearing deposits | 143,926,000 | 145,909,000 | 151,043,000 | 155,728,000 |
| Equity capital | 78,510,000 | 82,306,000 | 82,235,000 | 84,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,851,000 | 24,851,000 | 38,367,000 | 53,058,000 |
| Interest expense | 2,498,000 | 5,521,000 | 9,187,000 | 13,838,000 |
| Net interest income | 9,353,000 | 19,330,000 | 29,180,000 | 39,220,000 |
| Noninterest income | 3,016,000 | 6,045,000 | 8,776,000 | 11,648,000 |
| Noninterest expense | 7,974,000 | 16,281,000 | 24,299,000 | 32,927,000 |
| Provision for loan losses | 420,000 | 880,000 | 1,300,000 | 2,087,000 |
| Pretax income | 3,975,000 | 8,259,000 | 12,403,000 | 15,900,000 |
| Income tax | 1,049,000 | 2,250,000 | 3,407,000 | 4,245,000 |
| Net income | 2,926,000 | 6,009,000 | 8,996,000 | 11,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,112,000 | 82,195,000 | 82,732,000 | 85,532,000 |
| Total capital | 86,526,000 | 89,897,000 | 90,677,000 | 93,518,000 |
| Risk-weighted assets | 743,829,000 | 772,976,000 | 807,220,000 | 824,621,000 |