Call reports 2025
CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY — 2025
What CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 791,369,000 | 793,944,000 | 796,204,000 | 814,885,000 |
| Total loans | 542,454,000 | 560,442,000 | 564,025,000 | 562,899,000 |
| Allowance for loan losses | 6,971,000 | 7,112,000 | 7,229,000 | 7,295,000 |
| Securities available for sale | 114,693,000 | 115,728,000 | 117,790,000 | 124,043,000 |
| Securities held to maturity | 1,223,000 | 1,209,000 | 1,191,000 | 1,171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 716,500,000 | 720,604,000 | 720,151,000 | 737,007,000 |
| Interest-bearing deposits | 530,724,000 | 537,403,000 | 541,523,000 | 560,978,000 |
| Noninterest-bearing deposits | 185,776,000 | 183,201,000 | 178,628,000 | 176,029,000 |
| Equity capital | 70,660,000 | 69,157,000 | 72,205,000 | 74,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,038,000 | 20,615,000 | 31,321,000 | 42,188,000 |
| Interest expense | 3,385,000 | 6,863,000 | 10,343,000 | 13,777,000 |
| Net interest income | 6,653,000 | 13,752,000 | 20,978,000 | 28,411,000 |
| Noninterest income | 1,716,000 | 3,432,000 | 5,074,000 | 6,781,000 |
| Noninterest expense | 5,848,000 | 11,969,000 | 18,237,000 | 24,288,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 600,000 |
| Pretax income | 2,371,000 | 4,865,000 | 7,315,000 | 10,304,000 |
| Income tax | 566,000 | 1,149,000 | 1,723,000 | 2,386,000 |
| Net income | 1,805,000 | 3,716,000 | 5,592,000 | 7,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,425,000 | 74,820,000 | 76,372,000 | 78,277,000 |
| Total capital | 83,563,000 | 82,099,000 | 83,768,000 | — |
| Risk-weighted assets | 582,510,000 | 596,566,000 | 611,845,000 | — |