Call reports 2004
WILBER NATIONAL BANK — 2004
What WILBER NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 740,260,000 | 725,617,000 | 737,346,000 | 750,289,000 |
| Total loans | 366,435,000 | 374,393,000 | 380,954,000 | 391,043,000 |
| Allowance for loan losses | 5,893,000 | 6,113,000 | 6,218,000 | 6,250,000 |
| Securities available for sale | 263,265,000 | 235,309,000 | 240,397,000 | 243,610,000 |
| Securities held to maturity | 49,538,000 | 61,901,000 | 61,697,000 | 59,463,000 |
| Trading assets | 0 | 1,373,000 | 1,380,000 | 1,504,000 |
| Total deposits | 583,447,000 | 578,128,000 | 578,730,000 | 571,929,000 |
| Interest-bearing deposits | 527,730,000 | 517,366,000 | 516,900,000 | 508,183,000 |
| Noninterest-bearing deposits | 55,717,000 | 60,761,000 | 61,830,000 | 63,746,000 |
| Equity capital | 64,613,000 | 61,190,000 | 64,800,000 | 64,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,087,000 | 17,973,000 | 27,216,000 | 37,142,000 |
| Interest expense | 3,112,000 | 6,214,000 | 9,392,000 | 12,787,000 |
| Net interest income | 5,975,000 | 11,759,000 | 17,824,000 | 24,355,000 |
| Noninterest income | 1,109,000 | 2,202,000 | 3,457,000 | 4,732,000 |
| Noninterest expense | 4,135,000 | 8,205,000 | 12,487,000 | 16,886,000 |
| Provision for loan losses | 360,000 | 660,000 | 960,000 | 1,200,000 |
| Pretax income | 3,172,000 | 5,652,000 | 8,614,000 | 11,777,000 |
| Income tax | 863,000 | 1,479,000 | 2,258,000 | 3,083,000 |
| Net income | 2,309,000 | 4,173,000 | 6,356,000 | 8,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,110,000 | 59,663,000 | 60,540,000 | 61,572,000 |
| Total capital | 64,906,000 | 65,513,000 | 66,478,000 | 67,689,000 |
| Risk-weighted assets | 463,519,000 | 467,730,000 | 474,732,000 | 489,153,000 |
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