Call reports 2020
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2020
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 546,737,000 | 613,947,000 | 622,037,000 | 631,865,000 |
| Total loans | 362,425,000 | 405,908,000 | 412,760,000 | 412,936,000 |
| Allowance for loan losses | 4,624,000 | 4,757,000 | 4,982,000 | 4,961,000 |
| Securities available for sale | 74,131,000 | 67,875,000 | 65,296,000 | 77,549,000 |
| Securities held to maturity | 0 | 0 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,852,000 | 555,447,000 | 562,474,000 | 571,619,000 |
| Interest-bearing deposits | 350,802,000 | 364,806,000 | 372,160,000 | 385,785,000 |
| Noninterest-bearing deposits | 139,050,000 | 190,641,000 | 190,314,000 | 185,834,000 |
| Equity capital | 55,079,000 | 56,276,000 | 57,244,000 | 58,350,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,162,000 | 10,224,000 | 15,429,000 | 20,621,000 |
| Interest expense | 1,003,000 | 1,909,000 | 2,729,000 | 3,397,000 |
| Net interest income | 4,159,000 | 8,315,000 | 12,700,000 | 17,224,000 |
| Noninterest income | 1,376,000 | 2,793,000 | 4,711,000 | 6,869,000 |
| Noninterest expense | 4,482,000 | 8,835,000 | 13,576,000 | 18,573,000 |
| Provision for loan losses | 299,000 | 434,000 | 655,000 | 654,000 |
| Pretax income | 754,000 | 1,839,000 | 3,180,000 | 4,866,000 |
| Income tax | 135,000 | 337,000 | 595,000 | 907,000 |
| Net income | 619,000 | 1,502,000 | 2,585,000 | 3,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,206,000 | 54,927,000 | 55,984,000 | 57,183,000 |
| Total capital | 58,997,000 | 59,851,000 | 61,103,000 | 62,294,000 |
| Risk-weighted assets | 384,881,000 | 395,421,000 | 409,556,000 | 408,897,000 |
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