Call reports 2007
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2007
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 455,563,000 | 446,134,000 | 432,494,000 | 435,215,000 |
| Total loans | 266,608,000 | 276,051,000 | 274,364,000 | 286,660,000 |
| Allowance for loan losses | 4,316,000 | 4,369,000 | 4,375,000 | 4,165,000 |
| Securities available for sale | 82,271,000 | 81,481,000 | 100,893,000 | 105,579,000 |
| Securities held to maturity | 39,817,000 | 38,298,000 | 4,203,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,021,000 | 380,041,000 | 370,050,000 | 366,568,000 |
| Interest-bearing deposits | 322,297,000 | 309,960,000 | 301,857,000 | 299,461,000 |
| Noninterest-bearing deposits | 67,724,000 | 70,081,000 | 68,193,000 | 67,107,000 |
| Equity capital | 41,817,000 | 41,903,000 | 43,186,000 | 44,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,691,000 | 13,635,000 | 20,336,000 | 26,996,000 |
| Interest expense | 3,247,000 | 6,524,000 | 9,588,000 | 12,674,000 |
| Net interest income | 3,444,000 | 7,111,000 | 10,748,000 | 14,322,000 |
| Noninterest income | 1,480,000 | 3,009,000 | 4,596,000 | 6,243,000 |
| Noninterest expense | 4,538,000 | 8,974,000 | 13,488,000 | 18,120,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 386,000 | 1,139,000 | 1,847,000 | 2,661,000 |
| Income tax | 11,000 | 149,000 | 274,000 | 435,000 |
| Net income | 375,000 | 990,000 | 1,573,000 | 2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,010,000 | 41,436,000 | 41,871,000 | 42,321,000 |
| Total capital | 44,630,000 | 45,046,000 | 45,504,000 | 46,076,000 |
| Risk-weighted assets | 288,965,000 | 288,127,000 | 289,919,000 | 300,086,000 |