Call reports 2010
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2010
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 426,501,000 | 414,401,000 | 414,930,000 | 423,281,000 |
| Total loans | 232,273,000 | 234,116,000 | 240,168,000 | 244,612,000 |
| Allowance for loan losses | 3,295,000 | 3,274,000 | 3,359,000 | 3,421,000 |
| Securities available for sale | 117,813,000 | 111,631,000 | 101,008,000 | 100,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,454,000 | 336,612,000 | 336,553,000 | 346,595,000 |
| Interest-bearing deposits | 273,584,000 | 257,511,000 | 256,724,000 | 260,769,000 |
| Noninterest-bearing deposits | 74,870,000 | 79,101,000 | 79,829,000 | 85,826,000 |
| Equity capital | 46,906,000 | 46,758,000 | 46,885,000 | 45,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,593,000 | 9,121,000 | 13,559,000 | 17,921,000 |
| Interest expense | 1,207,000 | 2,317,000 | 3,360,000 | 4,348,000 |
| Net interest income | 3,386,000 | 6,804,000 | 10,199,000 | 13,573,000 |
| Noninterest income | 1,354,000 | 2,686,000 | 4,077,000 | 5,523,000 |
| Noninterest expense | 4,369,000 | 8,677,000 | 13,092,000 | 17,535,000 |
| Provision for loan losses | 0 | 187,000 | 377,000 | 682,000 |
| Pretax income | 371,000 | 626,000 | 885,000 | 1,407,000 |
| Income tax | 30,000 | 25,000 | 31,000 | 106,000 |
| Net income | 341,000 | 601,000 | 854,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,557,000 | 43,515,000 | 43,590,000 | 43,589,000 |
| Total capital | 46,646,000 | 46,588,000 | 46,744,000 | 46,795,000 |
| Risk-weighted assets | 246,986,000 | 245,646,000 | 252,168,000 | 256,294,000 |
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