The Canandaigua National Bank and Trust Company in Canandaigua, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Canandaigua National Bank and Trust Company in Canandaigua, New York (NY)
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The Canandaigua National Bank and Trust Company - Overview

  • 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)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 386Total employees (full-time equivalent)
  • $1,726,940Total assets
  • $120,349Cash and due from depository institutions
  • $69,437Interest-bearing balances
  • $280,037Securities
  • $159Federal funds sold & reverse repurchase agreements
  • $1,275,726Net loans & leases
  • $16,095Loan loss allowance
  • $0Trading account assets
  • $15,716Bank premises and fixed assets
  • $4,235Other real estate owned
  • $3,498Goodwill and other intangibles
  • $1,726,940Life insurance assets
  • $27,220All other assets
  • $1,576,706Total liabilities and capital
  • $1,563,522Total liabilities
  • $1,336,020Total deposits
  • $1,563,522Interest-bearing deposits
  • $59Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $13,184Subordinated debt
  • $150,234All other liabilities
  • $150,176Total equity capital
  • $150,176Total bank equity capital
  • $0Perpetual preferred stock
  • $8,000Common stock
  • $25,902Surplus
  • $116,274Undivided profits
  • Memoranda
  • $58Noncurrent loans and leases
  • $7,556Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,276Income earned, not collected on loans
  • $0Earning assets
  • $6,613Long-term assets (5+ years)
  • $1,625,359Average Assets, year-to-date
  • $288,080Average Assets, quarterly
  • $1,684,358Volatile liabilities
  • $1,709,118Insider loans
  • $1,317,491FHLB advances
  • $1,686,780Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $147,617Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $378,475Restructured Loans and leases
  • $14,903Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $73,147Total interest income
  • $8,896Total interest expense
  • $64,251Net interest income
  • $3,775Provision for loan and lease losses
  • $25,341Total noninterest income
  • $8,444Fiduciary activities
  • $11,136Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,761Additional noninterest income
  • $58,962Total noninterest expense
  • $33,622Salaries and employee benefits
  • $8,932Premises and equipment expense
  • $16,408Additional noninterest expense
  • $26,855Pre-tax net operating income
  • -$157Securities gains (losses)
  • $6,403Applicable income taxes
  • $20,295Income before extraordinary items
  • $0Extraordinary gains - net
  • $20,295Net income attributable to bank
  • $0Net charge-offs
  • $20,295Cash dividends
  • $3,315Sale, conversion, retirement of capital stock, net
  • $12,960Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 4.01%Net interest margin
  • 1.58%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 13.80%Return on equity (ROE)
  • 4.99%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 113.88%Credit loss provision to net charge-offs
  • 9.24%Efficiency ratio
  • 65,533Assets per employee
  • 4.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.86%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 88.07%Noncurrent assets plus other real estate owned to assets
  • 1.30%Noncurrent loans to loans
  • 1.41%Net loans and leases to deposits
  • 81.59%Net loans and leases to core deposits
  • 84.95%Equity capital to assets
  • 8.70%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 11.20%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,684,358Average earning assets
  • $147,116Average equity
  • $1,601,613Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,082,730Managed Assets
  • 1Number of Accounts
  • $883,116Personal trust and agency accounts
  • $400,531Employee benefit-defined contribution accounts
  • $44,433Employee benefit-defined benefit accounts
  • $8,291Other retirement accounts
  • $150,787Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $271,380Other fiduciary accounts
  • $7,694Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2579Number of Accounts
  • $0Personal trust and agency accounts
  • $150,787Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $199,614Other retirement accounts
  • $10,363Corporate trust and agency accounts
  • $79,616Other fiduciary accounts
  • $2,142Fiduciary accounts held in foreign offices

List of branches

  • 25 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04677The Canandaigua National Bank And Tr72 South Main Street, Canandaigua, NY 14424December 01, 1887Full Service Brick and Mortar
    1213289Victor Branch61 West Main Street, Victor, NY 14564November 14, 1957Full Service Brick and Mortar
    2213290Holcomb Branch4 Main Street, Bloomfield, NY 14469December 15, 1967Full Service Brick and Mortar
    3213291Honeoye Branch8633 Main Street, Honeoye, NY 14471Febuary 26, 1968Full Service Brick and Mortar
    4213292Lakeshore Branch709 South Main Street, Canandaigua, NY 14424May 11, 1981Full Service Brick and Mortar
    5213293Farmington Branch6181 Route 96, Victor, NY 14564December 07, 1982Full Service Brick and Mortar
    6213294Shortsville-Manchester Branch119 South Main Street, Manchester, NY 14504May 15, 1989Full Service Brick and Mortar
    7213295Mendon Branch51 Assembly Drive, Mendon, NY 14506May 15, 1989Full Service Brick and Mortar
    8213296Eastview Branch7979 Pittsford-Victor Road, Victor, NY 14564October 16, 1989Full Service Brick and Mortar
    9213297Pittsford Bank Branch18 State Street, Pittsford, NY 14534June 26, 1995Full Service Brick and Mortar
    10213298Chili Paul Plaza Branch3228 Chili Avenue, Rochester, NY 14625June 09, 1999Full Service Brick and Mortar
    11213299Greece Branch2455 Ridge Rd West, Greece, NY 14615June 15, 1999Full Service Brick and Mortar
    12213300Webster Branch1998 Empire Blvd, Webster, NY 14580November 17, 1998Full Service Brick and Mortar
    14213302Honeoye Falls Branch17 West Main Street, Honeoye Falls, NY 14472September 27, 1999Full Service Brick and Mortar
    15213303Irondequoit Bank Office2128 Hudson Avenue, Irondequoit, NY 14617January 18, 2000Full Service Brick and Mortar
    16213304Perinton Bank Branch6720 Pittsford-Palmyra Rd, Fairport, NY 14450January 20, 2000Full Service Brick and Mortar
    18360891Rochester Bank Branch45 East Main Street, Rochester, NY 14614November 24, 2000Full Service Brick and Mortar
    19360892Basin Park Financial Center Branch1150 Pittsford Victor Road, Pittsford, NY 14534October 02, 2000Full Service Brick and Mortar
    20419817Brighton Branch2075 Monroe Avenue, Rochester, NY 14618December 09, 2002Full Service Brick and Mortar
    21427060Penfield Bank Branch1816 Penfield Road, Penfield, NY 14526March 01, 2004Full Service Brick and Mortar
    22457003Geneva Bank Branch425 Exchange Street, Geneva, NY 14456October 12, 2006Full Service Brick and Mortar
    23479108Henrietta Branch Office Branch1635 East Henrietta Road, Rochester, NY 14623October 15, 2007Full Service Brick and Mortar
    24510896Alexander Park Branch210 Alexander Street, Rochester, NY 14607December 15, 2009Full Service Brick and Mortar
    25513642Webster Town Branch1155 Ridge Road, Webster, NY 14580October 24, 2010Full Service Brick and Mortar
    26528159Greece Latta Long Pond Branch3188 - 3196 Latta Road, Greece, NY 14612October 24, 2011Full Service Brick and Mortar

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