Call reports 2013
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2013
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 408,636,000 | 400,705,000 | 404,555,000 | 400,420,000 |
| Total loans | 241,959,000 | 237,308,000 | 231,010,000 | 235,469,000 |
| Allowance for loan losses | 3,422,000 | 3,382,000 | 3,234,000 | 3,122,000 |
| Securities available for sale | 80,106,000 | 81,941,000 | 87,098,000 | 83,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,626,000 | 339,969,000 | 344,579,000 | 340,506,000 |
| Interest-bearing deposits | 249,362,000 | 244,228,000 | 242,224,000 | 249,790,000 |
| Noninterest-bearing deposits | 95,264,000 | 95,741,000 | 102,355,000 | 90,716,000 |
| Equity capital | 44,031,000 | 43,682,000 | 42,846,000 | 43,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,664,000 | 7,208,000 | 10,732,000 | 14,266,000 |
| Interest expense | 464,000 | 892,000 | 1,291,000 | 1,675,000 |
| Net interest income | 3,200,000 | 6,316,000 | 9,441,000 | 12,591,000 |
| Noninterest income | 1,460,000 | 2,828,000 | 4,273,000 | 5,746,000 |
| Noninterest expense | 4,041,000 | 8,124,000 | 12,088,000 | 16,251,000 |
| Provision for loan losses | 0 | 0 | 87,000 | 87,000 |
| Pretax income | 619,000 | 1,070,000 | 1,589,000 | 2,048,000 |
| Income tax | 142,000 | 229,000 | 341,000 | 397,000 |
| Net income | 477,000 | 841,000 | 1,248,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,053,000 | 42,417,000 | 42,824,000 | 42,899,000 |
| Total capital | 45,267,000 | 45,568,000 | 45,919,000 | 45,998,000 |
| Risk-weighted assets | 256,872,000 | 251,831,000 | 247,451,000 | 247,859,000 |
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