Call reports 2002
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2002
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 465,085,000 | 469,251,000 | 469,901,000 | 475,180,000 |
| Total loans | 338,578,000 | 321,123,000 | 311,968,000 | 297,959,000 |
| Allowance for loan losses | 5,119,000 | 7,501,000 | 8,747,000 | 8,448,000 |
| Securities available for sale | 61,543,000 | 62,562,000 | 65,603,000 | 72,585,000 |
| Securities held to maturity | 24,299,000 | 25,032,000 | 27,003,000 | 33,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 401,556,000 | 407,914,000 | 411,076,000 | 416,941,000 |
| Interest-bearing deposits | 352,614,000 | 358,647,000 | 360,119,000 | 366,247,000 |
| Noninterest-bearing deposits | 48,942,000 | 49,267,000 | 50,957,000 | 50,694,000 |
| Equity capital | 31,089,000 | 30,228,000 | 29,716,000 | 29,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,209,000 | 15,898,000 | 23,066,000 | 30,212,000 |
| Interest expense | 3,265,000 | 6,315,000 | 9,298,000 | 11,984,000 |
| Net interest income | 4,944,000 | 9,583,000 | 13,768,000 | 18,228,000 |
| Noninterest income | 936,000 | 1,957,000 | 2,893,000 | 3,775,000 |
| Noninterest expense | 3,588,000 | 7,273,000 | 11,232,000 | 15,642,000 |
| Provision for loan losses | 1,645,000 | 5,269,000 | 7,635,000 | 8,651,000 |
| Pretax income | 647,000 | -1,002,000 | -2,206,000 | -2,191,000 |
| Income tax | 124,000 | -355,000 | -901,000 | -1,090,000 |
| Net income | 523,000 | -647,000 | -1,305,000 | -1,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,751,000 | 29,581,000 | 28,924,000 | 29,128,000 |
| Total capital | 34,524,000 | 33,201,000 | 32,526,000 | 32,718,000 |
| Risk-weighted assets | 300,460,000 | 285,732,000 | 283,007,000 | 282,356,000 |