Cumberland Valley National Bank & Trust Company
East Bernstadt, KY — National Bank
Active
Vitals
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Total Assets432.2M -2.6 %
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Total Deposits377.5M -3.2 %
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Total Net Loans295.5M 22.2 %
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Net Income1.7M 4.3 %
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Book Value46.0M 1.9 %
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Book Value x292.0M 1.9 %
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Book Value x3137.9M 1.9 %
Balance Sheet Highlights
| Financial Highlights | Cumberland Valley National Bank & Trust Company | All Insured Commercial Banks in Kentucky |
| Balance Sheet $(000) | ||
| Total Assets | 432,219 | 275,102 |
| Total Net Loans | 295,511 | 177,820 |
| Total Deposits | 377,486 | 227,063 |
| Total Equity | 45,982 | 30,287 |
| Profitability | ||
| Net Income | 1,669 | 2,592 |
| Return on Average Assets | .379 | .944 |
| Return on Average Equity | 3.613 | 8.074 |
| Net Interest Margin | 3.38 | 3.847 |
| Efficiency Ratio | 84.426 | 70.925 |
| Noninterest Income/Revenue | 28.452 | 17.219 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 78.284 | 76.952 |
| Securities/Assets | .193 | .219 |
| Total Equity/Total Assets | .106 | .11 |
| Tangible Equity/Tangible Assets | .105 | .107 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 45,413 | 29,354 |
| Tier 1 Capital | 45,413 | 29,354 |
| Tier 2 Capital | 3,738 | 2,092 |
| Total Capital | 49,151 | 31,454 |
| Total Risk Weighted Assets | 335,332 | 190,479 |
| Leverage Ratio | 10.17 | 11.285 |
| Common Equity Tier 1 Capital Ratio | 13.54 | 17.115 |
| Tier 1 Capital Ratio | 13.54 | 17.115 |
| Total Capital Ratio | 14.66 | 18.174 |
Timeline for Cumberland Valley National Bank & Trust Company
Cumberland Valley Insurance, Llc
Cumberland Valley Insurance, Llc became a new subsidiary organization for Cumberland Valley National Bank & Trust Company.
View Profile Apr 01 2002
Cumberland Valley Title Company
Cumberland Valley Title Company became a new subsidiary organization for Cumberland Valley National Bank & Trust Company.
View Profile Jun 05 1998
Corbin Deposit Bank & Trust Company
Acquisition: Cumberland Valley National Bank & Trust Company acquired a new subsidiary, Corbin Deposit Bank & Trust Company, 31 years
View Profile Jul 01 1993
Cumberland Valley Financial Corporation
Cumberland Valley Financial Corporation became a new parent organization for Cumberland Valley National Bank & Trust Company.
View Profile Dec 16 1983
Cumberland Valley National Bank & Trust Company
Cumberland Valley National Bank & Trust Company was established 120 years ago and is currently headquartered in East Bernstadt, KY.
Jan 01 1904| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Corbin Deposit Bank & Trust Company | Seller | 62,180 | Discontinued | 7/1/1993 |
| Relationships | Role | Relationship Start | Relationship End |
| Cumberland Valley Financial Corporation | Parent | 12/16/1983 | |
| Cumberland Valley Title Company | Subsidary | 6/30/2007 | |
| Cumberland Valley Insurance, Llc | Subsidary | 4/1/2002 | |
| Cumberland Valley Title Company | Subsidary | 6/5/1998 | 6/29/2007 |
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