Call reports 2008
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2008
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,277,646,000 | 1,298,498,000 | 1,397,850,000 | 1,393,853,000 |
| Total loans | 931,941,000 | 983,901,000 | 1,059,260,000 | 1,087,961,000 |
| Allowance for loan losses | 9,862,000 | 11,040,000 | 11,695,000 | 11,992,000 |
| Securities available for sale | 78,786,000 | 93,103,000 | 93,494,000 | 93,940,000 |
| Securities held to maturity | 156,707,000 | 154,575,000 | 161,336,000 | 161,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,160,498,000 | 1,125,947,000 | 1,223,739,000 | 1,248,498,000 |
| Interest-bearing deposits | 993,559,000 | 957,181,000 | 1,053,368,000 | 1,082,008,000 |
| Noninterest-bearing deposits | 166,939,000 | 168,766,000 | 170,371,000 | 166,490,000 |
| Equity capital | 107,267,000 | 110,386,000 | 111,000,000 | 116,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 17,903,000 | 35,430,000 | 53,691,000 | 71,911,000 |
| Interest expense | 6,787,000 | 12,093,000 | 17,573,000 | 23,198,000 |
| Net interest income | 11,116,000 | 23,337,000 | 36,118,000 | 48,713,000 |
| Noninterest income | 4,242,000 | 8,404,000 | 12,919,000 | 17,589,000 |
| Noninterest expense | 9,514,000 | 19,668,000 | 29,930,000 | 41,168,000 |
| Provision for loan losses | 580,000 | 2,025,000 | 2,925,000 | 3,805,000 |
| Pretax income | 5,266,000 | 10,049,000 | 16,183,000 | 21,330,000 |
| Income tax | 1,384,000 | 2,341,000 | 4,028,000 | 5,242,000 |
| Net income | 3,882,000 | 7,708,000 | 12,155,000 | 16,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,234,000 | 109,205,000 | 110,079,000 | 113,390,000 |
| Total capital | 115,096,000 | 120,245,000 | 121,774,000 | 125,382,000 |
| Risk-weighted assets | 937,855,000 | 985,449,000 | 1,053,958,000 | 1,068,329,000 |