Call reports 2005
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2005
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 434,000,000 | 433,690,000 | 448,950,000 | 434,994,000 |
| Total loans | 249,091,000 | 254,830,000 | 255,022,000 | 255,208,000 |
| Allowance for loan losses | 4,474,000 | 4,497,000 | 4,472,000 | 4,310,000 |
| Securities available for sale | 98,855,000 | 95,681,000 | 99,396,000 | 103,359,000 |
| Securities held to maturity | 40,230,000 | 39,274,000 | 38,489,000 | 37,775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,902,000 | 372,782,000 | 383,089,000 | 369,900,000 |
| Interest-bearing deposits | 311,661,000 | 311,249,000 | 321,986,000 | 301,224,000 |
| Noninterest-bearing deposits | 62,241,000 | 61,533,000 | 61,103,000 | 68,676,000 |
| Equity capital | 33,218,000 | 33,732,000 | 39,927,000 | 39,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,990,000 | 10,309,000 | 15,821,000 | 21,533,000 |
| Interest expense | 1,906,000 | 3,988,000 | 6,210,000 | 8,558,000 |
| Net interest income | 3,084,000 | 6,321,000 | 9,611,000 | 12,975,000 |
| Noninterest income | 1,230,000 | 2,498,000 | 3,811,000 | 5,192,000 |
| Noninterest expense | 4,014,000 | 8,138,000 | 12,430,000 | 16,863,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 265,000 | 638,000 | 949,000 | 1,261,000 |
| Income tax | -33,000 | -32,000 | -48,000 | -93,000 |
| Net income | 298,000 | 670,000 | 997,000 | 1,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,431,000 | 34,684,000 | 40,905,000 | 39,362,000 |
| Total capital | 37,632,000 | 37,942,000 | 44,226,000 | 42,620,000 |
| Risk-weighted assets | 254,791,000 | 259,411,000 | 264,631,000 | 259,633,000 |
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