Call reports 2003
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2003
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 475,714,000 | 462,200,000 | 450,696,000 | 444,047,000 |
| Total loans | 285,814,000 | 275,220,000 | 262,450,000 | 263,127,000 |
| Allowance for loan losses | 8,309,000 | 7,674,000 | 7,528,000 | 6,963,000 |
| Securities available for sale | 91,751,000 | 89,188,000 | 91,674,000 | 94,036,000 |
| Securities held to maturity | 38,446,000 | 40,437,000 | 41,123,000 | 40,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,091,000 | 401,714,000 | 391,855,000 | 385,618,000 |
| Interest-bearing deposits | 360,443,000 | 346,302,000 | 331,210,000 | 328,694,000 |
| Noninterest-bearing deposits | 56,648,000 | 55,412,000 | 60,645,000 | 56,924,000 |
| Equity capital | 30,238,000 | 32,316,000 | 32,232,000 | 32,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,543,000 | 12,692,000 | 18,416,000 | 23,954,000 |
| Interest expense | 2,383,000 | 4,591,000 | 6,607,000 | 8,514,000 |
| Net interest income | 4,160,000 | 8,101,000 | 11,809,000 | 15,440,000 |
| Noninterest income | 973,000 | 2,184,000 | 3,307,000 | 4,374,000 |
| Noninterest expense | 4,203,000 | 8,500,000 | 12,661,000 | 17,199,000 |
| Provision for loan losses | 231,000 | 564,000 | 706,000 | 706,000 |
| Pretax income | 759,000 | 1,280,000 | 1,826,000 | 1,986,000 |
| Income tax | 160,000 | 171,000 | 244,000 | 135,000 |
| Net income | 599,000 | 1,109,000 | 1,582,000 | 1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,726,000 | 31,782,000 | 32,255,000 | 32,523,000 |
| Total capital | 33,267,000 | 35,219,000 | 35,588,000 | 35,841,000 |
| Risk-weighted assets | 278,481,000 | 270,741,000 | 262,418,000 | 261,780,000 |