Call reports 2006
WILBER NATIONAL BANK — 2006
What WILBER NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 759,062,000 | 756,392,000 | 757,924,000 | 761,094,000 |
| Total loans | 398,955,000 | 402,498,000 | 404,465,000 | 405,832,000 |
| Allowance for loan losses | 5,976,000 | 6,241,000 | 6,525,000 | 6,680,000 |
| Securities available for sale | 235,796,000 | 223,855,000 | 218,271,000 | 228,044,000 |
| Securities held to maturity | 58,177,000 | 56,292,000 | 62,763,000 | 62,357,000 |
| Trading assets | 1,584,000 | 1,512,000 | 1,576,000 | 1,625,000 |
| Total deposits | 604,611,000 | 630,390,000 | 617,356,000 | 629,047,000 |
| Interest-bearing deposits | 536,157,000 | 557,050,000 | 544,596,000 | 557,129,000 |
| Noninterest-bearing deposits | 68,454,000 | 73,340,000 | 72,760,000 | 71,918,000 |
| Equity capital | 64,733,000 | 58,592,000 | 61,713,000 | 61,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,459,000 | 21,092,000 | 32,020,000 | 43,303,000 |
| Interest expense | 4,235,000 | 8,637,000 | 13,331,000 | 18,396,000 |
| Net interest income | 6,224,000 | 12,455,000 | 18,689,000 | 24,907,000 |
| Noninterest income | 1,430,000 | 2,365,000 | 3,749,000 | 5,259,000 |
| Noninterest expense | 4,677,000 | 9,535,000 | 14,491,000 | 18,967,000 |
| Provision for loan losses | 420,000 | 840,000 | 1,260,000 | 1,560,000 |
| Pretax income | 2,663,000 | 4,551,000 | 6,793,000 | 9,800,000 |
| Income tax | 691,000 | 1,104,000 | 1,634,000 | 2,378,000 |
| Net income | 1,972,000 | 3,447,000 | 5,159,000 | 7,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,872,000 | 58,615,000 | 59,045,000 | 60,026,000 |
| Total capital | 68,895,000 | 64,855,000 | 65,261,000 | 66,309,000 |
| Risk-weighted assets | 494,001,000 | 499,191,000 | 496,929,000 | 502,234,000 |