Call reports 2006
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2006
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 439,986,000 | 436,848,000 | 434,911,000 | 451,795,000 |
| Total loans | 252,133,000 | 262,116,000 | 267,528,000 | 268,308,000 |
| Allowance for loan losses | 4,405,000 | 4,442,000 | 4,355,000 | 4,267,000 |
| Securities available for sale | 102,443,000 | 98,887,000 | 87,756,000 | 92,796,000 |
| Securities held to maturity | 37,435,000 | 36,628,000 | 37,565,000 | 40,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,660,000 | 371,217,000 | 369,110,000 | 384,666,000 |
| Interest-bearing deposits | 304,291,000 | 305,752,000 | 305,177,000 | 316,488,000 |
| Noninterest-bearing deposits | 70,369,000 | 65,465,000 | 63,933,000 | 68,178,000 |
| Equity capital | 40,097,000 | 40,159,000 | 40,853,000 | 41,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,852,000 | 11,850,000 | 18,125,000 | 24,755,000 |
| Interest expense | 2,490,000 | 5,131,000 | 7,983,000 | 11,031,000 |
| Net interest income | 3,362,000 | 6,719,000 | 10,142,000 | 13,724,000 |
| Noninterest income | 1,409,000 | 2,871,000 | 4,302,000 | 5,748,000 |
| Noninterest expense | 4,193,000 | 8,403,000 | 12,869,000 | 17,219,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -100,000 |
| Pretax income | 578,000 | 1,187,000 | 1,675,000 | 2,353,000 |
| Income tax | 73,000 | 162,000 | 211,000 | 326,000 |
| Net income | 505,000 | 1,025,000 | 1,464,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,850,000 | 40,067,000 | 40,329,000 | 40,586,000 |
| Total capital | 43,121,000 | 43,431,000 | 43,834,000 | 44,150,000 |
| Risk-weighted assets | 260,620,000 | 268,206,000 | 279,652,000 | 284,464,000 |
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