Call reports 2001
WILBER NATIONAL BANK — 2001
What WILBER NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 579,784,000 | 577,926,000 | 607,201,000 | 626,055,000 |
| Total loans | 323,470,000 | 321,713,000 | 323,274,000 | 329,544,000 |
| Allowance for loan losses | 4,007,000 | 4,224,000 | 4,246,000 | 4,477,000 |
| Securities available for sale | 152,265,000 | 164,228,000 | 172,389,000 | 184,076,000 |
| Securities held to maturity | 44,644,000 | 40,648,000 | 39,074,000 | 46,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,371,000 | 452,639,000 | 468,995,000 | 491,014,000 |
| Interest-bearing deposits | 412,276,000 | 405,232,000 | 419,474,000 | 438,799,000 |
| Noninterest-bearing deposits | 44,095,000 | 47,407,000 | 49,521,000 | 52,215,000 |
| Equity capital | 52,220,000 | 52,698,000 | 55,160,000 | 54,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 10,650,000 | 21,224,000 | 31,836,000 | 42,266,000 |
| Interest expense | 5,558,000 | 10,857,000 | 15,881,000 | 20,457,000 |
| Net interest income | 5,092,000 | 10,367,000 | 15,955,000 | 21,809,000 |
| Noninterest income | 940,000 | 2,098,000 | 3,185,000 | 4,554,000 |
| Noninterest expense | 3,474,000 | 7,002,000 | 10,261,000 | 13,917,000 |
| Provision for loan losses | 360,000 | 720,000 | 1,080,000 | 1,540,000 |
| Pretax income | 2,202,000 | 4,747,000 | 7,902,000 | 11,086,000 |
| Income tax | 567,000 | 1,237,000 | 2,151,000 | 3,079,000 |
| Net income | 1,635,000 | 3,510,000 | 5,751,000 | 8,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,262,000 | 50,969,000 | 51,870,000 | 52,946,000 |
| Total capital | 54,269,000 | 55,193,000 | 56,116,000 | 57,423,000 |
| Risk-weighted assets | 342,465,000 | 358,195,000 | 377,182,000 | 380,943,000 |