Call reports 2003
WILBER NATIONAL BANK — 2003
What WILBER NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 724,006,000 | 728,804,000 | 739,209,000 | 728,373,000 |
| Total loans | 362,288,000 | 362,488,000 | 353,446,000 | 360,906,000 |
| Allowance for loan losses | 5,603,000 | 5,786,000 | 5,893,000 | 5,757,000 |
| Securities available for sale | 252,305,000 | 248,478,000 | 273,178,000 | 270,368,000 |
| Securities held to maturity | 41,589,000 | 38,586,000 | 38,500,000 | 44,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 577,615,000 | 582,891,000 | 591,587,000 | 580,634,000 |
| Interest-bearing deposits | 524,713,000 | 526,916,000 | 531,523,000 | 519,365,000 |
| Noninterest-bearing deposits | 52,902,000 | 55,976,000 | 60,064,000 | 61,269,000 |
| Equity capital | 62,244,000 | 63,377,000 | 61,886,000 | 62,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 10,018,000 | 19,795,000 | 29,161,000 | 38,596,000 |
| Interest expense | 3,798,000 | 7,410,000 | 10,843,000 | 14,161,000 |
| Net interest income | 6,220,000 | 12,385,000 | 18,318,000 | 24,435,000 |
| Noninterest income | 1,166,000 | 2,391,000 | 3,516,000 | 4,852,000 |
| Noninterest expense | 4,024,000 | 8,086,000 | 12,299,000 | 16,466,000 |
| Provision for loan losses | 420,000 | 855,000 | 1,205,000 | 1,565,000 |
| Pretax income | 3,364,000 | 6,554,000 | 9,070,000 | 12,064,000 |
| Income tax | 975,000 | 1,846,000 | 2,488,000 | 3,265,000 |
| Net income | 2,389,000 | 4,708,000 | 6,582,000 | 8,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,477,000 | 56,533,000 | 57,144,000 | 58,099,000 |
| Total capital | 60,947,000 | 62,060,000 | 62,787,000 | 63,849,000 |
| Risk-weighted assets | 437,483,000 | 441,842,000 | 451,195,000 | 459,929,000 |