Call reports 2013
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2013
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,880,080,000 | 1,873,380,000 | 1,923,286,000 | 1,933,895,000 |
| Total loans | 1,452,343,000 | 1,475,046,000 | 1,507,092,000 | 1,563,578,000 |
| Allowance for loan losses | 17,423,000 | 17,795,000 | 17,684,000 | 18,326,000 |
| Securities available for sale | 109,203,000 | 100,952,000 | 108,493,000 | 112,658,000 |
| Securities held to maturity | 176,539,000 | 171,322,000 | 182,039,000 | 179,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,710,007,000 | 1,696,269,000 | 1,745,422,000 | 1,744,225,000 |
| Interest-bearing deposits | 1,424,175,000 | 1,397,372,000 | 1,423,773,000 | 1,406,058,000 |
| Noninterest-bearing deposits | 285,832,000 | 298,897,000 | 321,649,000 | 338,167,000 |
| Equity capital | 159,492,000 | 163,192,000 | 161,179,000 | 165,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 18,006,000 | 36,055,000 | 54,376,000 | 72,345,000 |
| Interest expense | 1,167,000 | 2,270,000 | 3,311,000 | 4,331,000 |
| Net interest income | 16,839,000 | 33,785,000 | 51,065,000 | 68,014,000 |
| Noninterest income | 7,525,000 | 14,925,000 | 22,772,000 | 30,614,000 |
| Noninterest expense | 14,856,000 | 30,789,000 | 45,602,000 | 62,483,000 |
| Provision for loan losses | 700,000 | 1,700,000 | 2,025,000 | 3,105,000 |
| Pretax income | 8,746,000 | 16,122,000 | 26,059,000 | 32,877,000 |
| Income tax | 2,401,000 | 4,588,000 | 7,545,000 | 9,801,000 |
| Net income | 6,345,000 | 11,534,000 | 18,508,000 | 23,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,878,000 | 163,144,000 | 161,545,000 | 166,406,000 |
| Total capital | 175,324,000 | 180,939,000 | 179,229,000 | 184,732,000 |
| Risk-weighted assets | 1,486,033,000 | 1,496,400,000 | 1,568,339,000 | 1,583,436,000 |