Canandaigua National Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	244.45	236.39	221	195.1	148.92	130.39
Interest Income on Investments	37.69	33.7	27.04	24.65	18.52	8.54
Total Interest Income	282.15	270.09	248.04	219.75	167.44	138.92
Interest Paid on Deposits	86.66	83.89	77.59	52.83	12.71	4.64
Interest Paid on Borrowings	19.64	22.66	33.39	33.45	10.61	6.89
Total Interest Expense	106.3	106.55	110.98	86.28	23.33	11.53
Net Interest Income	175.84	163.54	137.06	133.47	144.11	127.4
Net Interest Income Growth	-	19.32%	2.69%	-7.38%	13.12%	17.91%
Trust Income	30.63	29.5	28.18	25.63	25.77	25.36
Gain (Loss) on Sale of Investments	0.24	0.24	-0.07	0.11	-1.02	-0.3
Other Non-Interest Income	4.35	4.64	4.84	4.86	4.12	4.86
Total Non-Interest Income	57.97	56.6	54.22	50.85	50.73	56.35
Non-Interest Income Growth	-	4.38%	6.64%	0.22%	-9.96%	-5.68%
Revenues Before Loan Losses	233.82	220.14	191.28	184.32	194.84	183.74
Provision for Loan Losses	7.56	9.16	9.34	7.69	5.2	7.42
Revenue	226.26	210.98	181.94	176.62	189.65	176.33
Revenue Growth	-	15.96%	3.01%	-6.87%	7.56%	14.36%
Salaries and Employee Benefits	80.89	75.83	72.86	71.08	66.38	60.57
Occupancy Expenses	7.84	7.15	6.96	6.94	6.93	6.27
Federal Deposit Insurance	3.7	3.7	3.79	3.66	3	2.29
Selling, General & Administrative	38.59	37.62	31.56	24.78	40.81	40.82
Other Non-Interest Expense	10.35	9.72	9.46	11.36	8.86	7.54
Total Non-Interest Expense	141.6	134.25	124.66	117.84	126	117.58
EBT Excluding Unusual Items	84.66	76.74	57.28	58.78	63.65	58.75
Pretax Income	84.66	76.74	57.28	58.78	63.65	58.75
Income Tax Expense	19.91	18.13	12.67	14.05	15.79	14
Earnings From Continuing Operations	64.75	58.6	44.61	44.74	47.86	44.75
Minority Interest in Earnings	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01
Net Income	64.74	58.6	44.6	44.73	47.85	44.74
Net Income to Common	64.74	58.6	44.6	44.73	47.85	44.74
Net Income Growth	-	31.37%	-0.29%	-6.53%	6.95%	5.87%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	-0.48%	-1.26%	-1.28%	-0.66%	0.16%	-0.08%
EPS (Basic)	35.57	32.09	24.15	23.99	25.51	23.90
EPS (Diluted)	35.57	32.09	24.12	23.88	25.38	23.77
EPS Growth	-	33.04%	1.00%	-5.91%	6.77%	5.97%
Dividend Per Share	-	10.100	9.200	9.000	8.700	7.600
Dividend Growth	-	9.78%	2.22%	3.45%	14.47%	8.57%
Effective Tax Rate	23.52%	23.63%	22.12%	23.89%	24.80%	23.83%