Call reports 2022
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2022
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 735,188,000 | 730,749,000 | 703,996,000 | 698,088,000 |
| Total loans | 404,250,000 | 419,681,000 | 442,321,000 | 452,346,000 |
| Allowance for loan losses | 5,133,000 | 5,327,000 | 5,422,000 | 5,680,000 |
| Securities available for sale | 127,686,000 | 129,867,000 | 126,507,000 | 125,511,000 |
| Securities held to maturity | 1,407,000 | 1,394,000 | 1,381,000 | 1,356,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 674,552,000 | 674,579,000 | 647,011,000 | 639,542,000 |
| Interest-bearing deposits | 434,031,000 | 435,846,000 | 426,133,000 | 428,744,000 |
| Noninterest-bearing deposits | 240,521,000 | 238,733,000 | 220,878,000 | 210,798,000 |
| Equity capital | 59,039,000 | 54,832,000 | 55,080,000 | 56,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,114,000 | 10,478,000 | 16,505,000 | 23,515,000 |
| Interest expense | 377,000 | 771,000 | 1,384,000 | 2,199,000 |
| Net interest income | 4,737,000 | 9,707,000 | 15,121,000 | 21,316,000 |
| Noninterest income | 1,704,000 | 3,298,000 | 4,896,000 | 6,531,000 |
| Noninterest expense | 4,916,000 | 9,910,000 | 15,065,000 | 20,518,000 |
| Provision for loan losses | 0 | 190,000 | 240,000 | 430,000 |
| Pretax income | 1,525,000 | 2,905,000 | 4,712,000 | 6,899,000 |
| Income tax | 358,000 | 666,000 | 1,089,000 | 1,637,000 |
| Net income | 1,167,000 | 2,239,000 | 3,623,000 | 5,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,295,000 | 64,063,000 | 65,386,000 | 66,834,000 |
| Total capital | 68,595,000 | 69,557,000 | 70,975,000 | 72,681,000 |
| Risk-weighted assets | 460,768,000 | 481,036,000 | 495,881,000 | 505,029,000 |
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