Call reports 2004
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2004
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 438,709,000 | 440,438,000 | 432,153,000 | 428,974,000 |
| Total loans | 250,372,000 | 245,607,000 | 245,658,000 | 247,894,000 |
| Allowance for loan losses | 6,505,000 | 5,651,000 | 5,384,000 | 4,772,000 |
| Securities available for sale | 96,111,000 | 103,693,000 | 102,838,000 | 98,997,000 |
| Securities held to maturity | 43,995,000 | 43,000,000 | 41,502,000 | 40,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,432,000 | 382,609,000 | 371,258,000 | 368,211,000 |
| Interest-bearing deposits | 323,197,000 | 321,500,000 | 313,962,000 | 308,982,000 |
| Noninterest-bearing deposits | 56,235,000 | 61,109,000 | 57,296,000 | 59,229,000 |
| Equity capital | 33,407,000 | 31,918,000 | 33,300,000 | 33,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,260,000 | 10,387,000 | 15,412,000 | 20,758,000 |
| Interest expense | 1,793,000 | 3,565,000 | 5,330,000 | 7,171,000 |
| Net interest income | 3,467,000 | 6,822,000 | 10,082,000 | 13,587,000 |
| Noninterest income | 1,125,000 | 2,482,000 | 3,696,000 | 4,812,000 |
| Noninterest expense | 4,288,000 | 8,549,000 | 12,902,000 | 16,881,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 365,000 | 845,000 | 978,000 | 1,584,000 |
| Income tax | -23,000 | -4,000 | -98,000 | -26,000 |
| Net income | 388,000 | 849,000 | 1,076,000 | 1,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,911,000 | 33,372,000 | 33,599,000 | 34,133,000 |
| Total capital | 36,116,000 | 36,524,000 | 36,715,000 | 37,292,000 |
| Risk-weighted assets | 253,104,000 | 249,645,000 | 247,009,000 | 251,130,000 |