Call reports 2014
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2014
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 400,651,000 | 419,213,000 | 422,704,000 | 417,945,000 |
| Total loans | 234,564,000 | 239,243,000 | 241,753,000 | 240,592,000 |
| Allowance for loan losses | 3,111,000 | 3,064,000 | 3,023,000 | 3,024,000 |
| Securities available for sale | 86,481,000 | 86,035,000 | 87,890,000 | 89,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,287,000 | 359,165,000 | 362,685,000 | 362,255,000 |
| Interest-bearing deposits | 248,301,000 | 248,550,000 | 256,884,000 | 257,623,000 |
| Noninterest-bearing deposits | 92,986,000 | 110,615,000 | 105,801,000 | 104,632,000 |
| Equity capital | 43,715,000 | 44,289,000 | 44,259,000 | 44,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,415,000 | 6,904,000 | 10,423,000 | 13,949,000 |
| Interest expense | 364,000 | 725,000 | 1,093,000 | 1,455,000 |
| Net interest income | 3,051,000 | 6,179,000 | 9,330,000 | 12,494,000 |
| Noninterest income | 1,281,000 | 2,650,000 | 4,058,000 | 5,527,000 |
| Noninterest expense | 3,909,000 | 7,845,000 | 11,998,000 | 16,908,000 |
| Provision for loan losses | 0 | 0 | 252,000 | 252,000 |
| Pretax income | 423,000 | 984,000 | 1,266,000 | 1,011,000 |
| Income tax | 76,000 | 200,000 | 229,000 | 58,000 |
| Net income | 347,000 | 784,000 | 1,037,000 | 953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,248,000 | 43,366,000 | 43,626,000 | 43,189,000 |
| Total capital | 46,331,000 | 46,430,000 | 46,649,000 | 46,213,000 |
| Risk-weighted assets | 246,596,000 | 251,438,000 | 261,699,000 | 261,434,000 |