Call reports 2001
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2001
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 455,037,000 | 453,228,000 | 467,079,000 | 468,477,000 |
| Total loans | 333,811,000 | 343,931,000 | 352,045,000 | 342,975,000 |
| Allowance for loan losses | 3,179,000 | 3,335,000 | 3,516,000 | 5,533,000 |
| Securities available for sale | 55,005,000 | 54,931,000 | 53,646,000 | 58,254,000 |
| Securities held to maturity | 19,624,000 | 19,759,000 | 21,107,000 | 23,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,737,000 | 377,854,000 | 390,333,000 | 405,070,000 |
| Interest-bearing deposits | 321,272,000 | 335,493,000 | 343,375,000 | 353,332,000 |
| Noninterest-bearing deposits | 45,465,000 | 42,361,000 | 46,958,000 | 51,738,000 |
| Equity capital | 31,053,000 | 31,989,000 | 33,167,000 | 30,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 9,244,000 | 18,167,000 | 27,127,000 | 35,788,000 |
| Interest expense | 4,950,000 | 9,551,000 | 13,868,000 | 17,576,000 |
| Net interest income | 4,294,000 | 8,616,000 | 13,259,000 | 18,212,000 |
| Noninterest income | 847,000 | 1,872,000 | 2,887,000 | 4,016,000 |
| Noninterest expense | 3,279,000 | 6,551,000 | 10,012,000 | 14,329,000 |
| Provision for loan losses | 2,774,000 | 3,624,000 | 4,695,000 | 8,743,000 |
| Pretax income | -912,000 | 313,000 | 1,439,000 | -729,000 |
| Income tax | -148,000 | -44,000 | 303,000 | -485,000 |
| Net income | -764,000 | 357,000 | 1,136,000 | -244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,542,000 | 31,486,000 | 32,197,000 | 30,228,000 |
| Total capital | 33,721,000 | 34,821,000 | 35,713,000 | 34,017,000 |
| Risk-weighted assets | 291,535,000 | 298,654,000 | 307,596,000 | 301,398,000 |