Canandaigua National Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	178.82	54.05	62.33	52.98	115.6
Investment Securities	948.28	991.42	1,078	823.45	400.45
Total Investments	948.28	991.42	1,078	823.45	400.45
Gross Loans	3,802	3,702	3,478	3,187	2,982
Allowance for Loan Losses	-39.6	-35.68	-36.8	-34.31	-30.74
Net Loans	3,763	3,666	3,441	3,152	2,951
Property, Plant & Equipment	25.24	26.41	22.45	18.7	14.72
Goodwill	8.82	8.82	8.82	8.82	8.82
Loans Held for Sale	7.44	4.18	1.64	10.72	17.55
Accrued Interest Receivable	19.89	17.77	15.25	11.01	12.04
Restricted Cash	-	-	-	-	25.5
Long-Term Deferred Tax Assets	13.59	16.41	24.09	9.99	4.75
Other Real Estate Owned & Foreclosed	-	0.22	0.09	0.09	-
Other Long-Term Assets	63.78	66.64	71.77	59.48	69.58
Total Assets	5,059	4,884	4,748	4,160	3,635
Interest Bearing Deposits	2,578	2,312	2,436	2,193	1,916
Institutional Deposits	541.1	447.1	359.2	325.3	200.7
Non-Interest Bearing Deposits	879.87	827.39	966.71	998.11	848.77
Total Deposits	3,999	3,587	3,762	3,516	2,966
Short-Term Borrowings	-	210.8	178.2	0.4	1.44
Current Portion of Long-Term Debt	150	50	50	50	50
Current Portion of Leases	3.86	-	-	-	-
Accrued Interest Payable	50.82	60.38	93.17	73.72	49.78
Federal Home Loan Bank Debt, Long-Term	400	550	300	150	200
Long-Term Leases	26.87	26.51	-	-	20.9
Trust Preferred Securities	51.55	51.55	51.55	51.55	51.55
Total Liabilities	4,683	4,536	4,435	3,842	3,340
Common Stock	9.73	9.73	9.73	9.73	9.73
Additional Paid-In Capital	14.31	14.19	13.85	13.32	12.98
Retained Earnings	401.67	374.86	345.96	314.58	284.28
Treasury Stock	-25.51	-19.72	-14.42	-12.21	-12.51
Comprehensive Income & Other	-24.36	-31.8	-42.87	-7.05	1.2
Total Common Equity	375.84	347.27	312.25	318.37	295.7
Minority Interest	0.3	0.31	0.31	0.34	0.05
Shareholders' Equity	376.14	347.58	312.56	318.71	295.75
Total Liabilities & Equity	5,059	4,884	4,748	4,160	3,635
Total Debt	632.28	888.85	579.75	251.95	323.88
Net Cash (Debt)	-453.45	-834.8	-517.42	-198.97	-208.28
Net Cash Per Share	-245.23	-445.70	-274.44	-105.70	-110.56
Filing Date Shares Outstanding	1.83	1.85	1.87	1.87	1.87
Total Common Shares Outstanding	1.83	1.85	1.87	1.87	1.87
Book Value Per Share	205.22	187.34	166.88	169.94	158.09
Tangible Book Value	367.02	338.45	303.43	309.55	286.88
Tangible Book Value Per Share	200.41	182.58	162.17	165.23	153.38

Updated Mar 8, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.