Call reports 2018
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2018
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 474,380,000 | 479,962,000 | 479,767,000 | 499,367,000 |
| Total loans | 336,247,000 | 340,369,000 | 343,025,000 | 350,516,000 |
| Allowance for loan losses | 4,205,000 | 4,255,000 | 4,288,000 | 4,381,000 |
| Securities available for sale | 72,274,000 | 70,033,000 | 64,572,000 | 65,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,217,000 | 430,456,000 | 428,757,000 | 446,779,000 |
| Interest-bearing deposits | 301,388,000 | 307,686,000 | 304,968,000 | 330,121,000 |
| Noninterest-bearing deposits | 122,829,000 | 122,770,000 | 123,789,000 | 116,658,000 |
| Equity capital | 47,880,000 | 47,556,000 | 48,230,000 | 49,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,448,000 | 9,030,000 | 13,784,000 | 18,836,000 |
| Interest expense | 419,000 | 985,000 | 1,639,000 | 2,474,000 |
| Net interest income | 4,029,000 | 8,045,000 | 12,145,000 | 16,362,000 |
| Noninterest income | 1,357,000 | 2,749,000 | 3,268,000 | 4,745,000 |
| Noninterest expense | 4,197,000 | 9,211,000 | 12,617,000 | 17,155,000 |
| Provision for loan losses | 30,000 | 120,000 | 181,000 | 266,000 |
| Pretax income | 1,159,000 | 1,463,000 | 2,617,000 | 3,688,000 |
| Income tax | 207,000 | 237,000 | 449,000 | 654,000 |
| Net income | 952,000 | 1,226,000 | 2,168,000 | 3,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,087,000 | 49,180,000 | 51,664,000 | 51,968,000 |
| Total capital | 53,459,000 | 53,602,000 | 56,119,000 | 56,516,000 |
| Risk-weighted assets | 363,400,000 | 362,259,000 | 369,410,000 | 365,407,000 |