Call reports 2008
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2008
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 442,650,000 | 435,201,000 | 434,507,000 | 431,817,000 |
| Total loans | 290,806,000 | 295,863,000 | 291,616,000 | 284,887,000 |
| Allowance for loan losses | 4,191,000 | 4,078,000 | 4,145,000 | 4,069,000 |
| Securities available for sale | 99,739,000 | 99,073,000 | 99,550,000 | 96,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,810,000 | 358,934,000 | 356,397,000 | 355,680,000 |
| Interest-bearing deposits | 298,113,000 | 286,013,000 | 287,745,000 | 289,322,000 |
| Noninterest-bearing deposits | 67,697,000 | 72,921,000 | 68,652,000 | 66,358,000 |
| Equity capital | 45,429,000 | 44,716,000 | 46,872,000 | 46,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,331,000 | 12,339,000 | 18,054,000 | 23,719,000 |
| Interest expense | 2,816,000 | 5,170,000 | 7,325,000 | 9,500,000 |
| Net interest income | 3,515,000 | 7,169,000 | 10,729,000 | 14,219,000 |
| Noninterest income | 1,647,000 | 3,149,000 | 4,893,000 | 6,422,000 |
| Noninterest expense | 4,420,000 | 8,896,000 | 13,508,000 | 18,095,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 742,000 | 1,418,000 | 2,110,000 | 2,542,000 |
| Income tax | 136,000 | 250,000 | 372,000 | 249,000 |
| Net income | 606,000 | 1,168,000 | 1,738,000 | 2,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,368,000 | 43,636,000 | 43,915,000 | 43,800,000 |
| Total capital | 47,078,000 | 47,389,000 | 47,639,000 | 47,449,000 |
| Risk-weighted assets | 296,383,000 | 299,976,000 | 297,574,000 | 291,631,000 |
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