Call reports 2011
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2011
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,691,904,000 | 1,670,525,000 | 1,691,295,000 | 1,726,940,000 |
| Total loans | 1,170,530,000 | 1,175,238,000 | 1,222,646,000 | 1,291,821,000 |
| Allowance for loan losses | 15,910,000 | 15,837,000 | 16,687,000 | 16,095,000 |
| Securities available for sale | 113,129,000 | 116,660,000 | 111,081,000 | 112,812,000 |
| Securities held to maturity | 160,221,000 | 150,254,000 | 157,670,000 | 167,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,539,929,000 | 1,510,168,000 | 1,530,445,000 | 1,563,522,000 |
| Interest-bearing deposits | 1,347,783,000 | 1,301,194,000 | 1,311,783,000 | 1,336,020,000 |
| Noninterest-bearing deposits | 192,146,000 | 208,974,000 | 218,662,000 | 227,502,000 |
| Equity capital | 143,473,000 | 149,777,000 | 149,839,000 | 150,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 18,211,000 | 36,506,000 | 54,631,000 | 73,147,000 |
| Interest expense | 2,692,000 | 5,121,000 | 7,259,000 | 8,896,000 |
| Net interest income | 15,519,000 | 31,385,000 | 47,372,000 | 64,251,000 |
| Noninterest income | 6,248,000 | 12,353,000 | 18,850,000 | 25,341,000 |
| Noninterest expense | 14,327,000 | 28,182,000 | 41,217,000 | 58,962,000 |
| Provision for loan losses | 750,000 | 890,000 | 2,390,000 | 3,775,000 |
| Pretax income | 6,689,000 | 14,570,000 | 22,484,000 | 26,698,000 |
| Income tax | 1,516,000 | 3,560,000 | 5,855,000 | 6,403,000 |
| Net income | 5,173,000 | 11,010,000 | 16,629,000 | 20,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,439,000 | 147,326,000 | 147,069,000 | 147,617,000 |
| Total capital | 156,314,000 | 162,500,000 | 162,619,000 | 163,738,000 |
| Risk-weighted assets | 1,188,381,000 | 1,212,058,000 | 1,240,518,000 | 1,317,491,000 |