The Canandaigua National Bank and Trust Company in Canandaigua, New York (NY)
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| The Canandaigua National Bank and Trust Company | |
|---|---|
| General | FDIC Certificate #: 6985 Status: Active Federal Reserve ID: 161602 Bank Holding Company (Regulatory Top Holder): Canandaigua National Corporation (RSSDID: 1133503, Location: Canandaigua, NY) Date Established: December 01, 1887 WWW: http://www.cnbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 25 (Domestic: 25, Interstate: No) OTS Docket #: 9221 FDIC's unique #: 4677 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 12, 2006 Last Structure Change Process Date: December 12, 2006 Last Data Update: December 12, 2006 Data Source Date: April 05, 2012 |
| Location | Address: 72 South Main Street, Canandaigua, NY 14424 County: Ontario Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Syracuse Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Rochester, NY (#6840) Combined Statistical Area (CSA): Rochester-Batavia-Seneca Falls, NY (#464) Core Based Statistical Area (CBSA): Rochester, NY (#40380) CBSA Metro Statistical Area: Rochester, NY (#40380) |
| Financial Summary | Total assets: $1,726.9 mil Equity capital: $150.2 mil Deposits held in domestic offices: $1,563.5 mil Return on assets (ROA): 1.20% ($20.7 mil) Quarterly return on assets: 0.86% ($14.9 mil) Return on Equity (ROE): 13.80% ($20.7 mil) Quarterly return on equity: 9.78% ($14.7 mil) Net income: $20.3 mil Quarterly Net income: $3.7 mil Pretax return on assets: 1.59% ($27,458.3 mil) Quarterly Pretax return on assets: 0.99% ($17,096.7 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 386 |
| Total assets | $1,726,940 |
| Cash and due from depository institutions | $120,349 |
| Interest-bearing balances | $69,437 |
| Securities | $280,037 |
| Federal funds sold & reverse repurchase agreements | $159 |
| Net loans & leases | $1,275,726 |
| Loan loss allowance | $16,095 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $15,716 |
| Other real estate owned | $4,235 |
| Goodwill and other intangibles | $3,498 |
| All other assets | $27,220 |
| Life insurance assets | $1,726,940 |
| Total liabilities and capital | $1,576,706 |
| Total liabilities | $1,563,522 |
| Total deposits | $1,336,020 |
| Interest-bearing deposits | $1,563,522 |
| Deposits held in domestic offices | $59 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $13,184 |
| All other liabilities | $150,234 |
| Total equity capital | $150,176 |
| Total bank equity capital | $150,176 |
| Perpetual preferred stock | $0 |
| Common stock | $8,000 |
| Surplus | $25,902 |
| Undivided profits | $116,274 |
| Memoranda | |
| Noncurrent loans and leases | $58 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $7,556 |
| Income earned, not collected on loans | $18,276 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $6,613 |
| Average Assets, year-to-date | $1,625,359 |
| Average Assets, quarterly | $288,080 |
| Volatile liabilities | $1,684,358 |
| Insider loans | $1,709,118 |
| FHLB advances | $1,317,491 |
| Loans and leases held for sale | $1,686,780 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $147,617 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $378,475 |
| Derivatives | $14,903 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $73,147 |
| Total interest expense | $8,896 |
| Net interest income | $64,251 |
| Provision for loan and lease losses | $3,775 |
| Total noninterest income | $25,341 |
| Fiduciary activities | $8,444 |
| Service charges on deposit accounts | $11,136 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $5,761 |
| Total noninterest expense | $58,962 |
| Salaries and employee benefits | $33,622 |
| Premises and equipment expense | $8,932 |
| Additional noninterest expense | $16,408 |
| Pre-tax net operating income | $26,855 |
| Securities gains (losses) | -$157 |
| Applicable income taxes | $6,403 |
| Income before extraordinary items | $20,295 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $20,295 |
| Net charge-offs | $0 |
| Cash dividends | $20,295 |
| Sale, conversion, retirement of capital stock, net | $3,315 |
| Net operating income | $12,960 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.57% |
| Cost of funding earning assets | 0.56% |
| Net interest margin | 4.01% |
| Noninterest income to earning assets | 1.58% |
| Noninterest expense to earning assets | 3.68% |
| Net operating income to assets | 1.21% |
| Return on assets (ROA) | 1.20% |
| Pretax return on assets | 1.59% |
| Return on equity (ROE) | 13.80% |
| Retained earnings to average equity (YTD only) | 4.99% |
| Net charge-offs to loans | 0.27% |
| Credit loss provision to net charge-offs | 113.88% |
| Efficiency ratio | 9.24% |
| Assets per employee | $65,533 |
| Cash dividends to net income (YTD only) | 4.47% |
| Condition Ratios (%) | |
| Loss allowance to loans | 63.86% |
| Loss allowance to noncurrent loans | 1.25% |
| Noncurrent assets plus other real estate owned to assets | 88.07% |
| Noncurrent loans to loans | 1.30% |
| Net loans and leases to deposits | 1.41% |
| Net loans and leases to core deposits | 81.59% |
| Equity capital to assets | 84.95% |
| Core capital (leverage) ratio | 8.70% |
| Tier 1 risk-based capital ratio | 8.75% |
| Total risk-based capital ratio | 11.20% |
| Memoranda | |
| Average assets | $12 |
| Average earning assets | $1,684,358 |
| Average equity | $147,116 |
| Average loans | $1,601,613 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $1,082,730 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $883,116 |
| Employee benefit-defined contribution accounts | $400,531 |
| Employee benefit-defined benefit accounts | $44,433 |
| Other retirement accounts | $8,291 |
| Corporate trust and agency accounts | $150,787 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $271,380 |
| Fiduciary accounts held in foreign offices | $7,694 |
| Non-managed Assets | $0 |
| Number of Accounts | 2579 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $150,787 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $199,614 |
| Corporate trust and agency accounts | $10,363 |
| Other fiduciary accounts | $79,616 |
| Fiduciary accounts held in foreign offices | $2,142 |
| 25 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 4677 | The Canandaigua National Bank And Tr | 72 South Main Street, Canandaigua, NY 14424 | December 01, 1887 | Full Service Brick and Mortar |  |
| 1 | 213289 | Victor Branch | 61 West Main Street, Victor, NY 14564 | November 14, 1957 | Full Service Brick and Mortar |  |
| 2 | 213290 | Holcomb Branch | 4 Main Street, Bloomfield, NY 14469 | December 15, 1967 | Full Service Brick and Mortar | |
| 3 | 213291 | Honeoye Branch | 8633 Main Street, Honeoye, NY 14471 | Febuary 26, 1968 | Full Service Brick and Mortar | |
| 4 | 213292 | Lakeshore Branch | 709 South Main Street, Canandaigua, NY 14424 | May 11, 1981 | Full Service Brick and Mortar | |
| 5 | 213293 | Farmington Branch | 6181 Route 96, Victor, NY 14564 | December 07, 1982 | Full Service Brick and Mortar | |
| 6 | 213294 | Shortsville-Manchester Branch | 119 South Main Street, Manchester, NY 14504 | May 15, 1989 | Full Service Brick and Mortar | |
| 7 | 213295 | Mendon Branch | 51 Assembly Drive, Mendon, NY 14506 | May 15, 1989 | Full Service Brick and Mortar | |
| 8 | 213296 | Eastview Branch | 7979 Pittsford-Victor Road, Victor, NY 14564 | October 16, 1989 | Full Service Brick and Mortar | |
| 9 | 213297 | Pittsford Bank Branch | 18 State Street, Pittsford, NY 14534 | June 26, 1995 | Full Service Brick and Mortar | |
| 10 | 213298 | Chili Paul Plaza Branch | 3228 Chili Avenue, Rochester, NY 14625 | June 09, 1999 | Full Service Brick and Mortar | |
| 11 | 213299 | Greece Branch | 2455 Ridge Rd West, Greece, NY 14615 | June 15, 1999 | Full Service Brick and Mortar | |
| 12 | 213300 | Webster Branch | 1998 Empire Blvd, Webster, NY 14580 | November 17, 1998 | Full Service Brick and Mortar | |
| 14 | 213302 | Honeoye Falls Branch | 17 West Main Street, Honeoye Falls, NY 14472 | September 27, 1999 | Full Service Brick and Mortar | |
| 15 | 213303 | Irondequoit Bank Office | 2128 Hudson Avenue, Irondequoit, NY 14617 | January 18, 2000 | Full Service Brick and Mortar | |
| 16 | 213304 | Perinton Bank Branch | 6720 Pittsford-Palmyra Rd, Fairport, NY 14450 | January 20, 2000 | Full Service Brick and Mortar | |
| 18 | 360891 | Rochester Bank Branch | 45 East Main Street, Rochester, NY 14614 | November 24, 2000 | Full Service Brick and Mortar | |
| 19 | 360892 | Basin Park Financial Center Branch | 1150 Pittsford Victor Road, Pittsford, NY 14534 | October 02, 2000 | Full Service Brick and Mortar | |
| 20 | 419817 | Brighton Branch | 2075 Monroe Avenue, Rochester, NY 14618 | December 09, 2002 | Full Service Brick and Mortar | |
| 21 | 427060 | Penfield Bank Branch | 1816 Penfield Road, Penfield, NY 14526 | March 01, 2004 | Full Service Brick and Mortar | |
| 22 | 457003 | Geneva Bank Branch | 425 Exchange Street, Geneva, NY 14456 | October 12, 2006 | Full Service Brick and Mortar | |
| 23 | 479108 | Henrietta Branch Office Branch | 1635 East Henrietta Road, Rochester, NY 14623 | October 15, 2007 | Full Service Brick and Mortar | |
| 24 | 510896 | Alexander Park Branch | 210 Alexander Street, Rochester, NY 14607 | December 15, 2009 | Full Service Brick and Mortar | |
| 25 | 513642 | Webster Town Branch | 1155 Ridge Road, Webster, NY 14580 | October 24, 2010 | Full Service Brick and Mortar | |
| 26 | 528159 | Greece Latta Long Pond Branch | 3188 - 3196 Latta Road, Greece, NY 14612 | October 24, 2011 | Full Service Brick and Mortar | |
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