Call reports 2005
WILBER NATIONAL BANK — 2005
What WILBER NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 754,316,000 | 754,450,000 | 756,052,000 | 751,553,000 |
| Total loans | 401,436,000 | 406,911,000 | 398,386,000 | 403,665,000 |
| Allowance for loan losses | 6,378,000 | 6,368,000 | 6,597,000 | 6,640,000 |
| Securities available for sale | 236,544,000 | 227,646,000 | 236,363,000 | 233,869,000 |
| Securities held to maturity | 57,143,000 | 56,069,000 | 53,982,000 | 54,938,000 |
| Trading assets | 1,421,000 | 1,453,000 | 1,530,000 | 1,542,000 |
| Total deposits | 599,906,000 | 601,503,000 | 595,091,000 | 604,963,000 |
| Interest-bearing deposits | 540,016,000 | 532,107,000 | 522,968,000 | 531,973,000 |
| Noninterest-bearing deposits | 59,890,000 | 69,396,000 | 72,123,000 | 72,990,000 |
| Equity capital | 63,675,000 | 65,902,000 | 65,437,000 | 64,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,816,000 | 19,749,000 | 29,894,000 | 40,285,000 |
| Interest expense | 3,523,000 | 7,097,000 | 10,848,000 | 14,995,000 |
| Net interest income | 6,293,000 | 12,652,000 | 19,046,000 | 25,290,000 |
| Noninterest income | 1,163,000 | 2,465,000 | 3,773,000 | 5,144,000 |
| Noninterest expense | 4,420,000 | 9,144,000 | 13,771,000 | 18,248,000 |
| Provision for loan losses | 240,000 | 480,000 | 780,000 | 1,580,000 |
| Pretax income | 3,040,000 | 5,885,000 | 8,731,000 | 10,976,000 |
| Income tax | 801,000 | 1,585,000 | 2,345,000 | 2,905,000 |
| Net income | 2,239,000 | 4,300,000 | 6,386,000 | 8,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,259,000 | 60,972,000 | 61,776,000 | 62,181,000 |
| Total capital | 66,495,000 | 67,228,000 | 67,912,000 | 68,366,000 |
| Risk-weighted assets | 498,683,000 | 500,312,000 | 490,393,000 | 494,319,000 |
Machine access — free, no API key
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