Call reports 2011
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2011
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 415,888,000 | 407,450,000 | 404,817,000 | 407,410,000 |
| Total loans | 243,302,000 | 243,482,000 | 243,021,000 | 242,737,000 |
| Allowance for loan losses | 3,466,000 | 3,404,000 | 3,427,000 | 3,395,000 |
| Securities available for sale | 85,182,000 | 78,946,000 | 75,964,000 | 79,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,074,000 | 333,171,000 | 329,895,000 | 333,780,000 |
| Interest-bearing deposits | 255,797,000 | 250,859,000 | 246,474,000 | 248,644,000 |
| Noninterest-bearing deposits | 89,277,000 | 82,312,000 | 83,421,000 | 85,136,000 |
| Equity capital | 46,282,000 | 46,715,000 | 47,302,000 | 47,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,266,000 | 8,547,000 | 12,723,000 | 16,871,000 |
| Interest expense | 853,000 | 1,629,000 | 2,388,000 | 3,094,000 |
| Net interest income | 3,413,000 | 6,918,000 | 10,335,000 | 13,777,000 |
| Noninterest income | 1,421,000 | 2,620,000 | 3,972,000 | 5,232,000 |
| Noninterest expense | 4,355,000 | 8,388,000 | 12,491,000 | 16,923,000 |
| Provision for loan losses | 0 | 72,000 | 72,000 | 109,000 |
| Pretax income | 479,000 | 1,076,000 | 1,742,000 | 1,975,000 |
| Income tax | 88,000 | 221,000 | 381,000 | 393,000 |
| Net income | 391,000 | 855,000 | 1,361,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,863,000 | 44,109,000 | 44,513,000 | 44,641,000 |
| Total capital | 47,011,000 | 47,209,000 | 47,666,000 | 47,770,000 |
| Risk-weighted assets | 251,547,000 | 247,717,000 | 251,983,000 | 250,015,000 |