Call reports 2014
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2014
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,991,413,000 | 2,058,756,000 | 2,100,750,000 | 2,092,417,000 |
| Total loans | 1,610,095,000 | 1,682,486,000 | 1,725,997,000 | 1,739,296,000 |
| Allowance for loan losses | 18,928,000 | 19,232,000 | 19,037,000 | 19,492,000 |
| Securities available for sale | 114,149,000 | 113,480,000 | 109,307,000 | 94,171,000 |
| Securities held to maturity | 174,647,000 | 172,191,000 | 178,571,000 | 181,559,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,804,961,000 | 1,761,730,000 | 1,765,107,000 | 1,745,970,000 |
| Interest-bearing deposits | 1,470,881,000 | 1,415,210,000 | 1,410,135,000 | 1,368,166,000 |
| Noninterest-bearing deposits | 334,080,000 | 346,520,000 | 354,972,000 | 377,804,000 |
| Equity capital | 167,803,000 | 173,502,000 | 177,993,000 | 184,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 18,212,000 | 36,456,000 | 55,923,000 | 75,872,000 |
| Interest expense | 943,000 | 1,887,000 | 2,838,000 | 3,763,000 |
| Net interest income | 17,269,000 | 34,569,000 | 53,085,000 | 72,109,000 |
| Noninterest income | 7,015,000 | 14,302,000 | 21,935,000 | 29,467,000 |
| Noninterest expense | 16,631,000 | 33,009,000 | 48,537,000 | 64,528,000 |
| Provision for loan losses | 1,150,000 | 2,100,000 | 2,750,000 | 4,590,000 |
| Pretax income | 6,503,000 | 13,781,000 | 23,730,000 | 32,498,000 |
| Income tax | 2,002,000 | 4,186,000 | 7,542,000 | 10,273,000 |
| Net income | 4,501,000 | 9,595,000 | 16,188,000 | 22,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,900,000 | 173,049,000 | 177,521,000 | 183,589,000 |
| Total capital | 186,828,000 | 192,281,000 | 196,558,000 | 203,081,000 |
| Risk-weighted assets | 1,626,856,000 | 1,685,785,000 | 1,725,711,000 | 1,721,382,000 |