Call reports 2012
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2012
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,765,817,000 | 1,811,438,000 | 1,860,683,000 | 1,852,158,000 |
| Total loans | 1,360,409,000 | 1,405,976,000 | 1,437,637,000 | 1,458,423,000 |
| Allowance for loan losses | 16,841,000 | 17,273,000 | 18,140,000 | 17,317,000 |
| Securities available for sale | 105,759,000 | 98,450,000 | 99,642,000 | 101,129,000 |
| Securities held to maturity | 165,464,000 | 168,073,000 | 177,836,000 | 175,849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,603,297,000 | 1,644,153,000 | 1,692,138,000 | 1,679,920,000 |
| Interest-bearing deposits | 1,371,066,000 | 1,379,037,000 | 1,401,626,000 | 1,396,092,000 |
| Noninterest-bearing deposits | 232,231,000 | 265,116,000 | 290,512,000 | 283,828,000 |
| Equity capital | 149,257,000 | 152,993,000 | 152,675,000 | 157,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 18,362,000 | 36,535,000 | 55,014,000 | 74,034,000 |
| Interest expense | 1,515,000 | 2,982,000 | 4,391,000 | 5,692,000 |
| Net interest income | 16,847,000 | 33,553,000 | 50,623,000 | 68,342,000 |
| Noninterest income | 6,679,000 | 14,036,000 | 21,355,000 | 29,087,000 |
| Noninterest expense | 16,732,000 | 32,072,000 | 46,987,000 | 62,138,000 |
| Provision for loan losses | 1,150,000 | 2,300,000 | 3,800,000 | 4,300,000 |
| Pretax income | 5,638,000 | 13,126,000 | 21,102,000 | 30,873,000 |
| Income tax | 1,482,000 | 3,611,000 | 5,488,000 | 8,421,000 |
| Net income | 4,156,000 | 9,515,000 | 15,614,000 | 22,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,007,000 | 150,794,000 | 150,555,000 | 155,695,000 |
| Total capital | 163,873,000 | 168,101,000 | 168,737,000 | 173,042,000 |
| Risk-weighted assets | 1,387,625,000 | 1,420,474,000 | 1,457,194,000 | 1,473,419,000 |