Call reports 2012
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2012
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 408,819,000 | 410,298,000 | 407,320,000 | 415,314,000 |
| Total loans | 237,776,000 | 239,691,000 | 241,663,000 | 245,824,000 |
| Allowance for loan losses | 3,360,000 | 3,358,000 | 3,383,000 | 3,398,000 |
| Securities available for sale | 75,144,000 | 66,371,000 | 72,273,000 | 74,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,832,000 | 341,378,000 | 341,821,000 | 350,179,000 |
| Interest-bearing deposits | 248,377,000 | 247,644,000 | 245,769,000 | 254,640,000 |
| Noninterest-bearing deposits | 87,455,000 | 93,734,000 | 96,052,000 | 95,539,000 |
| Equity capital | 47,273,000 | 43,232,000 | 43,693,000 | 43,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,999,000 | 7,946,000 | 11,716,000 | 15,486,000 |
| Interest expense | 672,000 | 1,295,000 | 1,872,000 | 2,373,000 |
| Net interest income | 3,327,000 | 6,651,000 | 9,844,000 | 13,113,000 |
| Noninterest income | 1,452,000 | 2,857,000 | 4,399,000 | 6,035,000 |
| Noninterest expense | 4,116,000 | 8,765,000 | 12,817,000 | 17,082,000 |
| Provision for loan losses | 0 | 0 | 73,000 | 155,000 |
| Pretax income | 663,000 | 949,000 | 1,559,000 | 2,157,000 |
| Income tax | 167,000 | 194,000 | 342,000 | 472,000 |
| Net income | 496,000 | 755,000 | 1,217,000 | 1,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,036,000 | 40,876,000 | 41,236,000 | 41,768,000 |
| Total capital | 48,108,000 | 43,969,000 | 44,345,000 | 45,013,000 |
| Risk-weighted assets | 245,456,000 | 247,214,000 | 248,472,000 | 259,418,000 |