Call reports 2017
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2017
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 2,609,267,000 | 2,580,911,000 | 2,591,464,000 | 2,643,264,000 |
| Total loans | 1,991,640,000 | 2,066,077,000 | 2,103,862,000 | 2,160,555,000 |
| Allowance for loan losses | 21,000,000 | 21,866,000 | 23,604,000 | 20,961,000 |
| Securities available for sale | 229,911,000 | 249,182,000 | 280,306,000 | 305,010,000 |
| Securities held to maturity | 120,831,000 | 98,577,000 | 90,844,000 | 85,173,000 |
| Trading assets | 2,467,000 | 2,290,000 | 2,176,000 | 2,530,000 |
| Total deposits | 2,169,690,000 | 2,131,695,000 | 2,147,859,000 | 2,158,200,000 |
| Interest-bearing deposits | 1,686,638,000 | 1,635,257,000 | 1,636,612,000 | 1,616,387,000 |
| Noninterest-bearing deposits | 483,052,000 | 496,438,000 | 511,247,000 | 541,813,000 |
| Equity capital | 211,405,000 | 218,508,000 | 221,033,000 | 223,161,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 22,144,000 | 44,855,000 | 68,370,000 | 92,897,000 |
| Interest expense | 1,676,000 | 3,649,000 | 5,654,000 | 7,820,000 |
| Net interest income | 20,468,000 | 41,206,000 | 62,716,000 | 85,077,000 |
| Noninterest income | 8,492,000 | 17,693,000 | 27,359,000 | 37,023,000 |
| Noninterest expense | 17,790,000 | 36,569,000 | 55,006,000 | 74,948,000 |
| Provision for loan losses | 1,440,000 | 3,000,000 | 5,100,000 | 6,400,000 |
| Pretax income | 9,715,000 | 19,315,000 | 29,947,000 | 40,730,000 |
| Income tax | 3,102,000 | 6,164,000 | 9,707,000 | 17,167,000 |
| Net income | 6,613,000 | 13,151,000 | 20,240,000 | 23,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 213,469,000 | 220,005,000 | 222,518,000 | 225,833,000 |
| Total capital | 234,469,000 | 241,871,000 | 246,122,000 | 246,794,000 |
| Risk-weighted assets | 1,986,147,000 | 2,061,265,000 | 2,115,132,000 | 2,169,377,000 |