Call reports 2015
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2015
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 418,461,000 | 410,676,000 | 440,082,000 | 443,871,000 |
| Total loans | 243,724,000 | 243,084,000 | 239,118,000 | 244,819,000 |
| Allowance for loan losses | 3,047,000 | 3,114,000 | 2,990,000 | 2,944,000 |
| Securities available for sale | 90,229,000 | 89,547,000 | 88,984,000 | 87,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,020,000 | 357,133,000 | 385,207,000 | 390,019,000 |
| Interest-bearing deposits | 257,304,000 | 250,391,000 | 266,485,000 | 269,214,000 |
| Noninterest-bearing deposits | 107,716,000 | 106,742,000 | 118,722,000 | 120,805,000 |
| Equity capital | 44,762,000 | 44,877,000 | 45,699,000 | 45,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,510,000 | 6,951,000 | 10,355,000 | 13,775,000 |
| Interest expense | 320,000 | 626,000 | 927,000 | 1,232,000 |
| Net interest income | 3,190,000 | 6,325,000 | 9,428,000 | 12,543,000 |
| Noninterest income | 1,254,000 | 2,696,000 | 4,115,000 | 5,477,000 |
| Noninterest expense | 3,888,000 | 7,876,000 | 11,950,000 | 16,200,000 |
| Provision for loan losses | 46,000 | 46,000 | -106,000 | -106,000 |
| Pretax income | 510,000 | 1,099,000 | 1,699,000 | 1,998,000 |
| Income tax | 103,000 | 231,000 | 360,000 | 398,000 |
| Net income | 407,000 | 868,000 | 1,339,000 | 1,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,872,000 | 43,864,000 | 44,335,000 | 44,190,000 |
| Total capital | 46,919,000 | 46,978,000 | 47,492,000 | 47,301,000 |
| Risk-weighted assets | 279,486,000 | 280,586,000 | 275,074,000 | 283,893,000 |