Call reports 2024
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2024
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 729,015,000 | 735,797,000 | 743,282,000 | 787,093,000 |
| Total loans | 503,666,000 | 504,450,000 | 531,534,000 | 534,530,000 |
| Allowance for loan losses | 6,426,000 | 6,647,000 | 6,730,000 | 6,845,000 |
| Securities available for sale | 115,806,000 | 114,594,000 | 112,831,000 | 116,778,000 |
| Securities held to maturity | 1,279,000 | 1,265,000 | 1,251,000 | 1,237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 662,932,000 | 660,130,000 | 667,583,000 | 716,710,000 |
| Interest-bearing deposits | 478,175,000 | 485,318,000 | 490,516,000 | 528,647,000 |
| Noninterest-bearing deposits | 184,757,000 | 174,812,000 | 177,067,000 | 188,063,000 |
| Equity capital | 63,138,000 | 64,723,000 | 68,356,000 | 67,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 8,622,000 | 17,569,000 | 26,844,000 | 36,634,000 |
| Interest expense | 2,885,000 | 5,894,000 | 9,094,000 | 12,443,000 |
| Net interest income | 5,737,000 | 11,675,000 | 17,750,000 | 24,191,000 |
| Noninterest income | 1,536,000 | 3,266,000 | 4,933,000 | 6,668,000 |
| Noninterest expense | 5,811,000 | 11,620,000 | 17,593,000 | 23,493,000 |
| Provision for loan losses | 260,000 | 260,000 | 385,000 | 640,000 |
| Pretax income | 1,202,000 | 3,061,000 | 4,705,000 | 6,726,000 |
| Income tax | 274,000 | 693,000 | 1,057,000 | 1,567,000 |
| Net income | 928,000 | 2,368,000 | 3,648,000 | 5,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,542,000 | 72,711,000 | 73,961,000 | 74,940,000 |
| Total capital | 78,135,000 | 79,525,000 | 80,858,000 | 81,952,000 |
| Risk-weighted assets | 546,807,000 | 553,422,000 | 581,546,000 | 578,328,000 |