Call reports 2010
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2010
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,587,355,000 | 1,597,576,000 | 1,640,172,000 | 1,641,126,000 |
| Total loans | 1,150,184,000 | 1,187,331,000 | 1,218,253,000 | 1,204,156,000 |
| Allowance for loan losses | 14,478,000 | 14,912,000 | 15,723,000 | 15,635,000 |
| Securities available for sale | 115,710,000 | 114,067,000 | 113,440,000 | 112,389,000 |
| Securities held to maturity | 158,229,000 | 155,383,000 | 154,394,000 | 155,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,443,278,000 | 1,447,136,000 | 1,489,656,000 | 1,487,119,000 |
| Interest-bearing deposits | 1,264,708,000 | 1,256,704,000 | 1,301,526,000 | 1,301,966,000 |
| Noninterest-bearing deposits | 178,570,000 | 190,432,000 | 188,130,000 | 185,153,000 |
| Equity capital | 126,610,000 | 132,965,000 | 138,332,000 | 142,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 18,264,000 | 37,068,000 | 56,108,000 | 75,288,000 |
| Interest expense | 3,311,000 | 6,363,000 | 9,391,000 | 12,353,000 |
| Net interest income | 14,953,000 | 30,705,000 | 46,717,000 | 62,935,000 |
| Noninterest income | 5,026,000 | 10,126,000 | 16,027,000 | 22,422,000 |
| Noninterest expense | 12,073,000 | 24,688,000 | 37,783,000 | 52,457,000 |
| Provision for loan losses | 2,425,000 | 2,950,000 | 4,650,000 | 6,150,000 |
| Pretax income | 5,476,000 | 13,089,000 | 20,180,000 | 26,620,000 |
| Income tax | 1,208,000 | 3,082,000 | 4,608,000 | 5,843,000 |
| Net income | 4,268,000 | 10,001,000 | 15,566,000 | 20,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,414,000 | 129,409,000 | 134,825,000 | 140,061,000 |
| Total capital | 137,790,000 | 144,132,000 | 150,022,000 | 155,175,000 |
| Risk-weighted assets | 1,149,306,000 | 1,176,230,000 | 1,213,472,000 | 1,207,842,000 |