Call reports 2002
WILBER NATIONAL BANK — 2002
What WILBER NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 676,369,000 | 682,351,000 | 711,580,000 | 708,340,000 |
| Total loans | 336,288,000 | 342,372,000 | 346,077,000 | 358,295,000 |
| Allowance for loan losses | 4,895,000 | 5,090,000 | 5,350,000 | 5,392,000 |
| Securities available for sale | 232,081,000 | 229,148,000 | 235,566,000 | 229,538,000 |
| Securities held to maturity | 48,559,000 | 46,488,000 | 49,712,000 | 42,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,174,000 | 538,851,000 | 557,472,000 | 549,082,000 |
| Interest-bearing deposits | 486,648,000 | 485,986,000 | 501,335,000 | 495,554,000 |
| Noninterest-bearing deposits | 48,526,000 | 52,865,000 | 56,137,000 | 53,528,000 |
| Equity capital | 54,257,000 | 58,584,000 | 61,857,000 | 61,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,230,000 | 20,719,000 | 31,275,000 | 41,617,000 |
| Interest expense | 4,449,000 | 8,816,000 | 13,118,000 | 17,179,000 |
| Net interest income | 5,781,000 | 11,903,000 | 18,157,000 | 24,438,000 |
| Noninterest income | 1,260,000 | 2,367,000 | 3,666,000 | 4,777,000 |
| Noninterest expense | 3,951,000 | 7,361,000 | 11,283,000 | 15,877,000 |
| Provision for loan losses | 480,000 | 960,000 | 1,440,000 | 1,920,000 |
| Pretax income | 2,680,000 | 6,020,000 | 9,310,000 | 12,071,000 |
| Income tax | 723,000 | 1,683,000 | 2,622,000 | 3,376,000 |
| Net income | 1,957,000 | 4,337,000 | 6,688,000 | 8,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,725,000 | 52,981,000 | 54,185,000 | 54,352,000 |
| Total capital | 56,620,000 | 58,071,000 | 59,473,000 | 59,602,000 |
| Risk-weighted assets | 407,549,000 | 413,843,000 | 422,944,000 | 419,872,000 |
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