Call reports 2009
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2009
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,485,621,000 | 1,505,238,000 | 1,566,641,000 | 1,540,588,000 |
| Total loans | 1,100,300,000 | 1,116,920,000 | 1,156,477,000 | 1,159,299,000 |
| Allowance for loan losses | 12,826,000 | 13,707,000 | 14,179,000 | 14,232,000 |
| Securities available for sale | 98,025,000 | 100,585,000 | 117,607,000 | 115,762,000 |
| Securities held to maturity | 158,946,000 | 157,694,000 | 160,295,000 | 159,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,344,375,000 | 1,360,263,000 | 1,426,380,000 | 1,395,450,000 |
| Interest-bearing deposits | 1,173,260,000 | 1,182,402,000 | 1,244,920,000 | 1,212,484,000 |
| Noninterest-bearing deposits | 171,115,000 | 177,861,000 | 181,460,000 | 182,966,000 |
| Equity capital | 116,506,000 | 119,809,000 | 121,727,000 | 125,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 18,380,000 | 36,572,000 | 54,953,000 | 73,919,000 |
| Interest expense | 4,950,000 | 9,517,000 | 13,844,000 | 17,802,000 |
| Net interest income | 13,430,000 | 27,055,000 | 41,109,000 | 56,117,000 |
| Noninterest income | 3,642,000 | 7,591,000 | 12,302,000 | 17,490,000 |
| Noninterest expense | 10,993,000 | 22,909,000 | 34,800,000 | 47,240,000 |
| Provision for loan losses | 1,155,000 | 2,555,000 | 3,435,000 | 4,345,000 |
| Pretax income | 4,927,000 | 9,140,000 | 15,134,000 | 21,983,000 |
| Income tax | 1,171,000 | 2,189,000 | 3,552,000 | 5,620,000 |
| Net income | 3,756,000 | 6,945,000 | 11,576,000 | 16,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,640,000 | 116,845,000 | 117,916,000 | 122,698,000 |
| Total capital | 126,471,000 | 130,555,000 | 132,106,000 | 136,934,000 |
| Risk-weighted assets | 1,093,594,000 | 1,116,141,000 | 1,169,720,000 | 1,157,489,000 |