Call reports 2017
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2017
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 462,762,000 | 459,571,000 | 466,084,000 | 464,100,000 |
| Total loans | 308,397,000 | 312,973,000 | 316,673,000 | 329,781,000 |
| Allowance for loan losses | 3,688,000 | 3,745,000 | 3,792,000 | 4,122,000 |
| Securities available for sale | 77,521,000 | 74,960,000 | 71,887,000 | 77,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,976,000 | 403,949,000 | 412,351,000 | 412,725,000 |
| Interest-bearing deposits | 289,427,000 | 285,318,000 | 284,057,000 | 291,912,000 |
| Noninterest-bearing deposits | 118,549,000 | 118,631,000 | 128,294,000 | 120,813,000 |
| Equity capital | 46,704,000 | 47,730,000 | 48,258,000 | 47,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,973,000 | 8,041,000 | 12,271,000 | 16,580,000 |
| Interest expense | 362,000 | 747,000 | 1,133,000 | 1,533,000 |
| Net interest income | 3,611,000 | 7,294,000 | 11,138,000 | 15,047,000 |
| Noninterest income | 1,445,000 | 2,859,000 | 4,278,000 | 5,692,000 |
| Noninterest expense | 4,171,000 | 8,311,000 | 12,535,000 | 16,786,000 |
| Provision for loan losses | 92,000 | 159,000 | 295,000 | 668,000 |
| Pretax income | 827,000 | 1,717,000 | 2,619,000 | 3,319,000 |
| Income tax | 211,000 | 451,000 | 699,000 | 1,526,000 |
| Net income | 616,000 | 1,266,000 | 1,920,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,029,000 | 46,856,000 | 47,510,000 | 48,135,000 |
| Total capital | 49,884,000 | 50,768,000 | 51,469,000 | 52,424,000 |
| Risk-weighted assets | 342,215,000 | 342,832,000 | 348,899,000 | 359,252,000 |