Call reports 2016
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2016
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,285,164,000 | 2,345,879,000 | 2,401,295,000 | 2,451,408,000 |
| Total loans | 1,856,994,000 | 1,894,846,000 | 1,948,538,000 | 1,961,706,000 |
| Allowance for loan losses | 20,386,000 | 20,804,000 | 21,619,000 | 20,762,000 |
| Securities available for sale | 147,884,000 | 184,450,000 | 199,103,000 | 201,831,000 |
| Securities held to maturity | 160,832,000 | 137,614,000 | 130,936,000 | 124,349,000 |
| Trading assets | 0 | 0 | 0 | 2,071,000 |
| Total deposits | 1,907,441,000 | 1,956,486,000 | 2,014,495,000 | 2,063,151,000 |
| Interest-bearing deposits | 1,488,253,000 | 1,493,561,000 | 1,534,472,000 | 1,576,709,000 |
| Noninterest-bearing deposits | 419,188,000 | 462,925,000 | 480,023,000 | 486,442,000 |
| Equity capital | 201,019,000 | 207,076,000 | 204,362,000 | 207,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 20,497,000 | 41,512,000 | 62,484,000 | 84,097,000 |
| Interest expense | 1,271,000 | 2,523,000 | 3,822,000 | 5,143,000 |
| Net interest income | 19,226,000 | 38,989,000 | 58,662,000 | 78,954,000 |
| Noninterest income | 7,758,000 | 16,143,000 | 25,650,000 | 34,992,000 |
| Noninterest expense | 17,356,000 | 35,481,000 | 53,639,000 | 72,722,000 |
| Provision for loan losses | 1,400,000 | 2,200,000 | 3,500,000 | 4,349,000 |
| Pretax income | 8,252,000 | 17,511,000 | 27,241,000 | 36,941,000 |
| Income tax | 2,685,000 | 6,102,000 | 9,645,000 | 13,226,000 |
| Net income | 5,567,000 | 11,409,000 | 17,596,000 | 23,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 200,590,000 | 206,448,000 | 204,214,000 | 210,235,000 |
| Total capital | 220,981,000 | 227,266,000 | 225,839,000 | 230,997,000 |
| Risk-weighted assets | 1,849,599,000 | 1,891,791,000 | 1,945,806,000 | 1,951,414,000 |