Call reports 2007
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2007
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,227,027,000 | 1,205,992,000 | 1,226,914,000 | 1,244,126,000 |
| Total loans | 858,087,000 | 877,237,000 | 894,524,000 | 919,950,000 |
| Allowance for loan losses | 9,129,000 | 9,334,000 | 9,440,000 | 9,679,000 |
| Securities available for sale | 99,454,000 | 99,330,000 | 104,759,000 | 102,648,000 |
| Securities held to maturity | 138,043,000 | 139,265,000 | 148,817,000 | 155,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,117,934,000 | 1,098,896,000 | 1,116,331,000 | 1,086,630,000 |
| Interest-bearing deposits | 960,332,000 | 935,341,000 | 957,319,000 | 930,166,000 |
| Noninterest-bearing deposits | 157,602,000 | 163,555,000 | 159,012,000 | 156,464,000 |
| Equity capital | 100,331,000 | 97,337,000 | 101,855,000 | 106,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,683,000 | 36,042,000 | 54,537,000 | 73,330,000 |
| Interest expense | 7,562,000 | 15,527,000 | 23,391,000 | 31,220,000 |
| Net interest income | 10,121,000 | 20,515,000 | 31,146,000 | 42,110,000 |
| Noninterest income | 3,264,000 | 6,923,000 | 11,060,000 | 15,014,000 |
| Noninterest expense | 8,805,000 | 17,665,000 | 26,866,000 | 35,929,000 |
| Provision for loan losses | 360,000 | 915,000 | 1,785,000 | 2,375,000 |
| Pretax income | 4,220,000 | 8,860,000 | 13,557,000 | 18,823,000 |
| Income tax | 954,000 | 2,065,000 | 3,267,000 | 4,671,000 |
| Net income | 3,266,000 | 6,795,000 | 10,290,000 | 14,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,663,000 | 97,266,000 | 100,881,000 | 104,844,000 |
| Total capital | 108,792,000 | 106,600,000 | 110,321,000 | 114,523,000 |
| Risk-weighted assets | 877,768,000 | 888,853,000 | 906,318,000 | 921,285,000 |