Call reports 2018
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2018
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,685,837,000 | 2,779,828,000 | 2,819,674,000 | 2,848,430,000 |
| Total loans | 2,201,759,000 | 2,279,748,000 | 2,313,473,000 | 2,328,355,000 |
| Allowance for loan losses | 22,001,000 | 20,032,000 | 21,245,000 | 21,643,000 |
| Securities available for sale | 311,492,000 | 335,275,000 | 339,641,000 | 342,697,000 |
| Securities held to maturity | 81,115,000 | 65,061,000 | 56,745,000 | 55,276,000 |
| Trading assets | 3,553,000 | 3,471,000 | 5,052,000 | 4,306,000 |
| Total deposits | 2,204,908,000 | 2,238,622,000 | 2,223,826,000 | 2,249,941,000 |
| Interest-bearing deposits | 1,704,578,000 | 1,687,377,000 | 1,679,482,000 | 1,727,887,000 |
| Noninterest-bearing deposits | 500,330,000 | 551,245,000 | 544,344,000 | 522,054,000 |
| Equity capital | 242,686,000 | 250,290,000 | 257,156,000 | 267,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 24,932,000 | 51,228,000 | 79,290,000 | 108,262,000 |
| Interest expense | 2,380,000 | 5,117,000 | 8,527,000 | 12,673,000 |
| Net interest income | 22,552,000 | 46,111,000 | 70,763,000 | 95,589,000 |
| Noninterest income | 9,728,000 | 20,770,000 | 36,358,000 | 48,030,000 |
| Noninterest expense | 18,980,000 | 40,681,000 | 63,092,000 | 86,938,000 |
| Provision for loan losses | 1,700,000 | 3,800,000 | 5,500,000 | 7,775,000 |
| Pretax income | 11,596,000 | 22,396,000 | 38,550,000 | 48,250,000 |
| Income tax | 2,607,000 | 4,522,000 | 7,939,000 | 10,028,000 |
| Net income | 8,989,000 | 17,874,000 | 30,611,000 | 38,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 238,164,000 | 246,272,000 | 254,170,000 | 262,129,000 |
| Total capital | 260,165,000 | 266,304,000 | 275,415,000 | 283,772,000 |
| Risk-weighted assets | 2,126,329,000 | 2,252,529,000 | 2,273,085,000 | 2,319,620,000 |