Call reports 2015
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2015
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,154,641,000 | 2,189,914,000 | 2,206,422,000 | 2,247,579,000 |
| Total loans | 1,752,363,000 | 1,787,269,000 | 1,815,941,000 | 1,852,281,000 |
| Allowance for loan losses | 21,045,000 | 19,785,000 | 20,366,000 | 20,565,000 |
| Securities available for sale | 111,207,000 | 117,292,000 | 117,201,000 | 146,324,000 |
| Securities held to maturity | 173,820,000 | 179,024,000 | 171,948,000 | 165,592,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,793,438,000 | 1,821,822,000 | 1,833,666,000 | 1,831,921,000 |
| Interest-bearing deposits | 1,439,018,000 | 1,437,580,000 | 1,432,917,000 | 1,438,143,000 |
| Noninterest-bearing deposits | 354,420,000 | 384,242,000 | 400,749,000 | 393,778,000 |
| Equity capital | 184,501,000 | 190,263,000 | 192,994,000 | 199,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 19,397,000 | 39,014,000 | 59,179,000 | 79,812,000 |
| Interest expense | 1,151,000 | 2,268,000 | 3,434,000 | 4,692,000 |
| Net interest income | 18,246,000 | 36,746,000 | 55,745,000 | 75,120,000 |
| Noninterest income | 7,282,000 | 15,324,000 | 23,682,000 | 32,536,000 |
| Noninterest expense | 17,859,000 | 34,358,000 | 49,932,000 | 67,631,000 |
| Provision for loan losses | 2,250,000 | 3,330,000 | 4,620,000 | 5,695,000 |
| Pretax income | 5,414,000 | 14,348,000 | 24,826,000 | 34,274,000 |
| Income tax | 1,739,000 | 4,695,000 | 8,527,000 | 10,651,000 |
| Net income | 3,675,000 | 9,653,000 | 16,299,000 | 23,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,078,000 | 190,334,000 | 192,609,000 | 199,925,000 |
| Total capital | 205,127,000 | 210,119,000 | 212,975,000 | 220,490,000 |
| Risk-weighted assets | 1,750,380,000 | 1,772,817,000 | 1,798,021,000 | 1,843,202,000 |