Call reports 2009
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2009
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 435,240,000 | 435,109,000 | 429,318,000 | 421,792,000 |
| Total loans | 258,589,000 | 253,982,000 | 248,104,000 | 240,194,000 |
| Allowance for loan losses | 3,877,000 | 3,559,000 | 3,551,000 | 3,506,000 |
| Securities available for sale | 121,699,000 | 122,556,000 | 120,468,000 | 117,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,991,000 | 358,069,000 | 352,104,000 | 346,822,000 |
| Interest-bearing deposits | 284,962,000 | 276,856,000 | 274,210,000 | 274,332,000 |
| Noninterest-bearing deposits | 74,029,000 | 81,213,000 | 77,894,000 | 72,490,000 |
| Equity capital | 46,835,000 | 47,204,000 | 47,706,000 | 46,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,412,000 | 10,546,000 | 15,579,000 | 20,261,000 |
| Interest expense | 1,809,000 | 3,478,000 | 4,955,000 | 6,321,000 |
| Net interest income | 3,603,000 | 7,068,000 | 10,624,000 | 13,940,000 |
| Noninterest income | 1,476,000 | 3,086,000 | 4,736,000 | 6,154,000 |
| Noninterest expense | 4,432,000 | 9,212,000 | 13,806,000 | 18,427,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 935,000 |
| Pretax income | 647,000 | 924,000 | 1,536,000 | 711,000 |
| Income tax | 101,000 | 86,000 | 184,000 | -134,000 |
| Net income | 546,000 | 838,000 | 1,352,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,127,000 | 44,311,000 | 44,650,000 | 43,416,000 |
| Total capital | 47,541,000 | 47,601,000 | 47,892,000 | 46,590,000 |
| Risk-weighted assets | 272,753,000 | 262,993,000 | 259,172,000 | 253,674,000 |