Call reports 2023
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2023
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 712,247,000 | 711,221,000 | 716,078,000 | 725,662,000 |
| Total loans | 463,221,000 | 467,304,000 | 486,353,000 | 500,617,000 |
| Allowance for loan losses | 5,862,000 | 5,963,000 | 6,161,000 | 6,724,000 |
| Securities available for sale | 124,852,000 | 121,287,000 | 117,435,000 | 118,378,000 |
| Securities held to maturity | 1,337,000 | 1,321,000 | 1,307,000 | 1,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,612,000 | 649,489,000 | 653,601,000 | 661,149,000 |
| Interest-bearing deposits | 453,876,000 | 457,284,000 | 461,132,000 | 480,698,000 |
| Noninterest-bearing deposits | 196,736,000 | 192,205,000 | 192,469,000 | 180,451,000 |
| Equity capital | 58,880,000 | 59,320,000 | 59,213,000 | 62,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,200,000 | 15,123,000 | 23,163,000 | 31,655,000 |
| Interest expense | 1,293,000 | 3,216,000 | 5,562,000 | 8,221,000 |
| Net interest income | 5,907,000 | 11,907,000 | 17,601,000 | 23,434,000 |
| Noninterest income | 1,587,000 | 3,152,000 | 4,760,000 | 6,432,000 |
| Noninterest expense | 5,449,000 | 10,958,000 | 16,550,000 | 22,463,000 |
| Provision for loan losses | 330,000 | 580,000 | 759,000 | 1,314,000 |
| Pretax income | 1,715,000 | 3,521,000 | 5,052,000 | 6,089,000 |
| Income tax | 399,000 | 826,000 | 1,179,000 | 1,330,000 |
| Net income | 1,316,000 | 2,695,000 | 3,873,000 | 4,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,030,000 | 69,126,000 | 70,204,000 | 70,778,000 |
| Total capital | — | 75,256,000 | 76,532,000 | 77,555,000 |
| Risk-weighted assets | — | 521,164,000 | 531,971,000 | 542,090,000 |