Call reports 2021
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2021
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 678,389,000 | 683,485,000 | 687,840,000 | 724,587,000 |
| Total loans | 405,614,000 | 403,908,000 | 405,270,000 | 411,083,000 |
| Allowance for loan losses | 4,933,000 | 5,008,000 | 5,018,000 | 5,140,000 |
| Securities available for sale | 71,225,000 | 111,519,000 | 114,367,000 | 114,417,000 |
| Securities held to maturity | 1,472,000 | 1,471,000 | 1,461,000 | 1,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,077,000 | 621,517,000 | 624,053,000 | 661,606,000 |
| Interest-bearing deposits | 396,710,000 | 391,383,000 | 399,701,000 | 432,143,000 |
| Noninterest-bearing deposits | 220,367,000 | 230,134,000 | 224,352,000 | 229,463,000 |
| Equity capital | 59,386,000 | 60,190,000 | 61,787,000 | 61,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,447,000 | 10,537,000 | 15,976,000 | 21,435,000 |
| Interest expense | 544,000 | 1,009,000 | 1,401,000 | 1,777,000 |
| Net interest income | 4,903,000 | 9,528,000 | 14,575,000 | 19,658,000 |
| Noninterest income | 1,957,000 | 3,749,000 | 5,441,000 | 7,188,000 |
| Noninterest expense | 4,655,000 | 9,348,000 | 14,266,000 | 19,371,000 |
| Provision for loan losses | 0 | 110,000 | 110,000 | 235,000 |
| Pretax income | 2,205,000 | 3,819,000 | 5,640,000 | 7,240,000 |
| Income tax | 529,000 | 890,000 | 1,337,000 | 1,642,000 |
| Net income | 1,676,000 | 2,929,000 | 4,303,000 | 5,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,833,000 | 59,714,000 | 61,089,000 | 62,128,000 |
| Total capital | 63,933,000 | 64,889,000 | 66,274,000 | 67,435,000 |
| Risk-weighted assets | 416,231,000 | 427,137,000 | 437,850,000 | 453,886,000 |