Call reports 2016
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2016
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 436,144,000 | 425,687,000 | 440,436,000 | 432,219,000 |
| Total loans | 257,746,000 | 275,592,000 | 281,707,000 | 299,082,000 |
| Allowance for loan losses | 3,055,000 | 3,278,000 | 3,354,000 | 3,571,000 |
| Securities available for sale | 102,360,000 | 95,423,000 | 87,765,000 | 83,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,138,000 | 370,590,000 | 384,904,000 | 377,486,000 |
| Interest-bearing deposits | 269,430,000 | 256,640,000 | 265,202,000 | 272,869,000 |
| Noninterest-bearing deposits | 112,708,000 | 113,950,000 | 119,702,000 | 104,617,000 |
| Equity capital | 45,889,000 | 46,815,000 | 47,153,000 | 45,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,519,000 | 7,226,000 | 10,964,000 | 14,758,000 |
| Interest expense | 292,000 | 563,000 | 876,000 | 1,203,000 |
| Net interest income | 3,227,000 | 6,663,000 | 10,088,000 | 13,555,000 |
| Noninterest income | 1,395,000 | 2,874,000 | 4,469,000 | 6,027,000 |
| Noninterest expense | 4,027,000 | 8,276,000 | 12,575,000 | 16,868,000 |
| Provision for loan losses | 146,000 | 285,000 | 362,000 | 687,000 |
| Pretax income | 449,000 | 1,018,000 | 1,664,000 | 2,072,000 |
| Income tax | 103,000 | 194,000 | 337,000 | 403,000 |
| Net income | 346,000 | 824,000 | 1,327,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,575,000 | 45,054,000 | 45,557,000 | 45,413,000 |
| Total capital | 47,797,000 | 48,499,000 | 49,078,000 | 49,151,000 |
| Risk-weighted assets | 300,328,000 | 315,838,000 | 328,122,000 | 335,332,000 |