Call reports 2025
CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE — 2025
What CANANDAIGUA NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,147,134,000 | 5,178,866,000 | 5,258,602,000 | 5,315,449,000 |
| Total loans | 3,798,423,000 | 3,899,917,000 | 3,888,539,000 | 3,925,612,000 |
| Allowance for loan losses | 37,068,000 | 36,872,000 | 36,789,000 | 37,570,000 |
| Securities available for sale | 483,328,000 | 472,006,000 | 477,591,000 | 501,998,000 |
| Securities held to maturity | 436,832,000 | 439,847,000 | 441,353,000 | 434,895,000 |
| Trading assets | 18,882,000 | 17,921,000 | 0 | 0 |
| Total deposits | 4,159,178,000 | 4,174,794,000 | 4,241,614,000 | 4,384,014,000 |
| Interest-bearing deposits | 3,290,971,000 | 3,314,000,000 | 3,360,978,000 | 3,526,456,000 |
| Noninterest-bearing deposits | 868,207,000 | 860,794,000 | 880,636,000 | 857,558,000 |
| Equity capital | 414,871,000 | 431,652,000 | 441,521,000 | 457,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 63,771,000 | 130,359,000 | 199,663,000 | 270,028,000 |
| Interest expense | 24,879,000 | 50,905,000 | 77,478,000 | 103,514,000 |
| Net interest income | 38,892,000 | 79,454,000 | 122,185,000 | 166,514,000 |
| Noninterest income | 12,528,000 | 26,394,000 | 40,614,000 | 54,546,000 |
| Noninterest expense | 31,373,000 | 63,258,000 | 96,811,000 | 133,344,000 |
| Provision for loan losses | 1,364,000 | 5,424,000 | 6,744,000 | 9,310,000 |
| Pretax income | 18,961,000 | 37,524,000 | 59,629,000 | 78,799,000 |
| Income tax | 4,614,000 | 9,086,000 | 14,268,000 | 18,903,000 |
| Net income | 14,347,000 | 28,438,000 | 45,361,000 | 59,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 425,713,000 | 439,846,000 | 446,967,000 | 461,496,000 |
| Total capital | 464,255,000 | 478,201,000 | 485,280,000 | 500,617,000 |
| Risk-weighted assets | 3,707,656,000 | 3,755,744,000 | 3,729,449,000 | 3,750,517,000 |