Call reports 2022
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2022
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 4,383,640,000 | 4,605,966,000 | 4,717,202,000 | 4,739,658,000 |
| Total loans | 3,247,366,000 | 3,382,289,000 | 3,452,747,000 | 3,478,802,000 |
| Allowance for loan losses | 35,055,000 | 36,486,000 | 37,102,000 | 36,795,000 |
| Securities available for sale | 523,076,000 | 532,004,000 | 512,826,000 | 543,047,000 |
| Securities held to maturity | 443,542,000 | 520,956,000 | 515,704,000 | 526,830,000 |
| Trading assets | 11,586,000 | 15,232,000 | 26,573,000 | 25,007,000 |
| Total deposits | 3,774,353,000 | 3,827,469,000 | 3,771,760,000 | 3,777,679,000 |
| Interest-bearing deposits | 2,744,950,000 | 2,848,474,000 | 2,772,608,000 | 2,804,941,000 |
| Noninterest-bearing deposits | 1,029,403,000 | 978,995,000 | 999,152,000 | 972,738,000 |
| Equity capital | 337,547,000 | 342,792,000 | 331,034,000 | 343,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 36,793,000 | 75,700,000 | 119,517,000 | 167,403,000 |
| Interest expense | 1,987,000 | 4,854,000 | 10,431,000 | 21,530,000 |
| Net interest income | 34,806,000 | 70,846,000 | 109,086,000 | 145,873,000 |
| Noninterest income | 12,434,000 | 25,719,000 | 37,803,000 | 50,878,000 |
| Noninterest expense | 28,744,000 | 59,537,000 | 92,019,000 | 125,198,000 |
| Provision for loan losses | 1,494,000 | 3,530,000 | 4,434,000 | 5,195,000 |
| Pretax income | 16,486,000 | 32,703,000 | 49,290,000 | 65,229,000 |
| Income tax | 4,100,000 | 8,434,000 | 12,159,000 | 16,072,000 |
| Net income | 12,386,000 | 24,269,000 | 37,131,000 | 49,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 349,330,000 | 361,212,000 | 365,473,000 | 377,493,000 |
| Total capital | 384,385,000 | 397,698,000 | 402,575,000 | 414,288,000 |
| Risk-weighted assets | 3,214,543,000 | 3,416,964,000 | 3,420,075,000 | 3,430,598,000 |