Call reports 2019
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2019
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,932,114,000 | 2,925,682,000 | 2,978,215,000 | 2,998,725,000 |
| Total loans | 2,348,530,000 | 2,416,610,000 | 2,444,214,000 | 2,464,350,000 |
| Allowance for loan losses | 22,558,000 | 23,497,000 | 21,948,000 | 21,588,000 |
| Securities available for sale | 351,905,000 | 360,736,000 | 357,281,000 | 346,150,000 |
| Securities held to maturity | 52,267,000 | 33,181,000 | 28,736,000 | 24,333,000 |
| Trading assets | 4,526,000 | 10,214,000 | 15,196,000 | 10,743,000 |
| Total deposits | 2,385,116,000 | 2,345,630,000 | 2,396,881,000 | 2,395,756,000 |
| Interest-bearing deposits | 1,845,546,000 | 1,801,667,000 | 1,851,130,000 | 1,843,591,000 |
| Noninterest-bearing deposits | 539,570,000 | 543,963,000 | 545,751,000 | 552,165,000 |
| Equity capital | 274,429,000 | 287,934,000 | 289,862,000 | 298,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 29,216,000 | 59,883,000 | 91,030,000 | 122,226,000 |
| Interest expense | 4,500,000 | 9,526,000 | 14,530,000 | 19,539,000 |
| Net interest income | 24,716,000 | 50,357,000 | 76,500,000 | 102,687,000 |
| Noninterest income | 10,902,000 | 23,165,000 | 35,030,000 | 47,541,000 |
| Noninterest expense | 20,740,000 | 42,256,000 | 64,541,000 | 90,414,000 |
| Provision for loan losses | 1,625,000 | 3,425,000 | 4,925,000 | 6,850,000 |
| Pretax income | 13,407,000 | 28,214,000 | 42,296,000 | 53,149,000 |
| Income tax | 2,860,000 | 6,229,000 | 9,429,000 | 12,141,000 |
| Net income | 10,547,000 | 21,985,000 | 32,867,000 | 41,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 266,806,000 | 278,294,000 | 280,026,000 | 288,601,000 |
| Total capital | 289,364,000 | 301,791,000 | 301,974,000 | 310,189,000 |
| Risk-weighted assets | 2,342,402,000 | 2,392,694,000 | 2,311,815,000 | 2,341,867,000 |