Canandaigua National Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	335.12	178.82	54.05	62.33	52.98
Investment Securities	946.38	945.78	991.42	1,078	823.45
Total Investments	946.38	945.78	991.42	1,078	823.45
Gross Loans	3,922	3,802	3,702	3,478	3,187
Allowance for Loan Losses	-37.57	-39.6	-35.68	-36.8	-34.31
Net Loans	3,884	3,763	3,666	3,441	3,152
Property, Plant & Equipment	28.41	25.24	26.41	22.45	18.7
Goodwill	8.82	8.82	8.82	8.82	8.82
Loans Held for Sale	4.04	7.44	4.18	1.64	10.72
Accrued Interest Receivable	21.59	19.89	17.77	15.25	11.01
Long-Term Deferred Tax Assets	9	13.59	16.41	24.09	9.99
Other Real Estate Owned & Foreclosed	0.82	-	0.22	0.09	0.09
Other Long-Term Assets	65.01	66.28	66.64	71.77	59.48
Total Assets	5,327	5,059	4,884	4,748	4,160
Interest Bearing Deposits	2,856	2,578	2,312	2,436	2,193
Institutional Deposits	662.6	541.1	447.1	359.2	325.3
Non-Interest Bearing Deposits	852.69	879.87	827.39	966.71	998.11
Total Deposits	4,371	3,999	3,587	3,762	3,516
Short-Term Borrowings	-	-	210.8	178.2	0.4
Current Portion of Long-Term Debt	200	150	50	50	50
Current Portion of Leases	4.29	-	-	-	-
Accrued Interest Payable	46.38	49.12	60.38	93.17	73.72
Federal Home Loan Bank Debt, Long-Term	200	400	550	300	150
Long-Term Leases	25.44	30.73	26.51	-	-
Trust Preferred Securities	51.55	51.55	51.55	51.55	51.55
Other Long-Term Liabilities	1.55	1.71	-	-	-
Total Liabilities	4,900	4,683	4,536	4,435	3,842
Common Stock	9.73	9.73	9.73	9.73	9.73
Additional Paid-In Capital	14.37	14.31	14.19	13.85	13.32
Retained Earnings	442.9	401.67	374.86	345.96	314.58
Treasury Stock	-28.33	-25.51	-19.72	-14.42	-12.21
Comprehensive Income & Other	-12.35	-24.36	-31.8	-42.87	-7.05
Total Common Equity	426.32	375.84	347.27	312.25	318.37
Minority Interest	0.32	0.3	0.31	0.31	0.34
Shareholders' Equity	426.64	376.14	347.58	312.56	318.71
Total Liabilities & Equity	5,327	5,059	4,884	4,748	4,160
Total Debt	481.28	632.28	888.85	579.75	251.95
Net Cash (Debt)	-146.17	-453.45	-834.8	-517.42	-198.97
Net Cash Per Share	-80.05	-245.23	-445.70	-274.44	-105.70
Filing Date Shares Outstanding	1.82	1.83	1.85	1.87	1.87
Total Common Shares Outstanding	1.82	1.83	1.85	1.87	1.87
Book Value Per Share	234.41	205.22	187.34	166.88	169.94
Tangible Book Value	417.51	367.02	338.45	303.43	309.55
Tangible Book Value Per Share	229.56	200.41	182.58	162.17	165.23

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