Call reports 2006
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2006
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,080,336,000 | 1,109,317,000 | 1,173,312,000 | 1,185,767,000 |
| Total loans | 774,801,000 | 829,921,000 | 843,343,000 | 853,147,000 |
| Allowance for loan losses | 8,277,000 | 8,587,000 | 8,928,000 | 9,041,000 |
| Securities available for sale | 89,379,000 | 95,589,000 | 97,633,000 | 96,423,000 |
| Securities held to maturity | 121,867,000 | 121,925,000 | 126,918,000 | 138,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 988,427,000 | 1,010,786,000 | 1,072,708,000 | 1,078,485,000 |
| Interest-bearing deposits | 840,246,000 | 858,175,000 | 908,360,000 | 918,225,000 |
| Noninterest-bearing deposits | 148,181,000 | 152,611,000 | 164,348,000 | 160,260,000 |
| Equity capital | 85,249,000 | 87,993,000 | 92,691,000 | 96,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 15,180,000 | 31,057,000 | 48,062,000 | 65,804,000 |
| Interest expense | 5,239,000 | 10,989,000 | 17,488,000 | 24,752,000 |
| Net interest income | 9,941,000 | 20,068,000 | 30,574,000 | 41,052,000 |
| Noninterest income | 3,227,000 | 6,275,000 | 9,607,000 | 13,282,000 |
| Noninterest expense | 8,564,000 | 17,297,000 | 25,808,000 | 34,531,000 |
| Provision for loan losses | 496,000 | 851,000 | 1,466,000 | 1,831,000 |
| Pretax income | 4,108,000 | 8,195,000 | 12,907,000 | 17,972,000 |
| Income tax | 1,045,000 | 2,064,000 | 3,187,000 | 4,239,000 |
| Net income | 3,063,000 | 6,131,000 | 9,720,000 | 13,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,549,000 | 89,754,000 | 92,188,000 | 96,151,000 |
| Total capital | 94,826,000 | 98,341,000 | 101,116,000 | 105,192,000 |
| Risk-weighted assets | 818,293,000 | 855,754,000 | 873,950,000 | 874,985,000 |