Call reports 2021
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2021
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,894,956,000 | 3,955,072,000 | 4,057,834,000 | 4,151,137,000 |
| Total loans | 3,096,343,000 | 3,170,037,000 | 3,165,173,000 | 3,197,082,000 |
| Allowance for loan losses | 32,687,000 | 33,786,000 | 33,729,000 | 34,306,000 |
| Securities available for sale | 577,324,000 | 636,334,000 | 712,436,000 | 812,241,000 |
| Securities held to maturity | 4,173,000 | 3,267,000 | 2,525,000 | 2,027,000 |
| Trading assets | 16,777,000 | 16,446,000 | 14,604,000 | 12,331,000 |
| Total deposits | 3,302,766,000 | 3,297,219,000 | 3,449,977,000 | 3,537,051,000 |
| Interest-bearing deposits | 2,334,742,000 | 2,319,439,000 | 2,437,420,000 | 2,529,067,000 |
| Noninterest-bearing deposits | 968,024,000 | 977,780,000 | 1,012,557,000 | 1,007,984,000 |
| Equity capital | 333,073,000 | 344,238,000 | 342,616,000 | 342,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 33,046,000 | 67,305,000 | 103,519,000 | 138,902,000 |
| Interest expense | 2,732,000 | 5,256,000 | 7,610,000 | 9,783,000 |
| Net interest income | 30,314,000 | 62,049,000 | 95,909,000 | 129,119,000 |
| Noninterest income | 13,869,000 | 27,583,000 | 41,645,000 | 55,739,000 |
| Noninterest expense | 23,567,000 | 51,792,000 | 80,330,000 | 116,731,000 |
| Provision for loan losses | 2,552,000 | 4,160,000 | 5,244,000 | 7,416,000 |
| Pretax income | 17,886,000 | 33,503,000 | 51,770,000 | 60,516,000 |
| Income tax | -646,000 | 6,242,000 | 12,460,000 | 17,383,000 |
| Net income | 18,532,000 | 27,261,000 | 39,310,000 | 43,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 328,027,000 | 336,756,000 | 336,805,000 | 340,623,000 |
| Total capital | 360,714,000 | 370,542,000 | 370,534,000 | 374,929,000 |
| Risk-weighted assets | 2,743,579,000 | 2,894,520,000 | 2,995,953,000 | 3,085,190,000 |