Call reports 2019
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2019
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 508,408,000 | 520,484,000 | 525,639,000 | 518,388,000 |
| Total loans | 348,853,000 | 350,103,000 | 357,465,000 | 362,993,000 |
| Allowance for loan losses | 4,419,000 | 4,404,000 | 4,468,000 | 4,537,000 |
| Securities available for sale | 63,702,000 | 65,651,000 | 75,254,000 | 75,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,545,000 | 464,714,000 | 469,680,000 | 462,442,000 |
| Interest-bearing deposits | 334,156,000 | 337,069,000 | 332,369,000 | 335,052,000 |
| Noninterest-bearing deposits | 120,389,000 | 127,645,000 | 137,311,000 | 127,390,000 |
| Equity capital | 51,218,000 | 52,429,000 | 53,146,000 | 53,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,088,000 | 10,324,000 | 15,644,000 | 20,832,000 |
| Interest expense | 920,000 | 1,897,000 | 2,922,000 | 3,952,000 |
| Net interest income | 4,168,000 | 8,427,000 | 12,722,000 | 16,880,000 |
| Noninterest income | 1,393,000 | 2,823,000 | 4,255,000 | 5,733,000 |
| Noninterest expense | 4,268,000 | 8,786,000 | 13,485,000 | 18,021,000 |
| Provision for loan losses | 0 | 0 | 318,000 | 390,000 |
| Pretax income | 1,293,000 | 2,464,000 | 3,174,000 | 4,202,000 |
| Income tax | 92,000 | 344,000 | 468,000 | 638,000 |
| Net income | 1,201,000 | 2,120,000 | 2,706,000 | 3,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,904,000 | 52,398,000 | 52,984,000 | 53,587,000 |
| Total capital | 56,438,000 | 56,969,000 | 57,619,000 | 58,291,000 |
| Risk-weighted assets | 362,692,000 | 372,514,000 | 378,771,000 | 382,540,000 |
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