Call reports 2007
WILBER NATIONAL BANK — 2007
What WILBER NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 762,344,000 | 766,233,000 | 794,855,000 | 792,644,000 |
| Total loans | 412,734,000 | 430,262,000 | 433,971,000 | 444,322,000 |
| Allowance for loan losses | 6,718,000 | 6,831,000 | 6,877,000 | 6,977,000 |
| Securities available for sale | 225,633,000 | 215,266,000 | 226,516,000 | 236,537,000 |
| Securities held to maturity | 58,264,000 | 53,570,000 | 54,385,000 | 52,201,000 |
| Trading assets | 1,540,000 | 1,554,000 | 1,531,000 | 0 |
| Total deposits | 637,550,000 | 635,197,000 | 651,451,000 | 658,058,000 |
| Interest-bearing deposits | 568,036,000 | 559,045,000 | 578,303,000 | 586,867,000 |
| Noninterest-bearing deposits | 69,515,000 | 76,152,000 | 73,148,000 | 71,191,000 |
| Equity capital | 62,876,000 | 62,799,000 | 64,371,000 | 66,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,105,000 | 22,521,000 | 34,260,000 | 46,004,000 |
| Interest expense | 5,052,000 | 10,391,000 | 15,882,000 | 21,495,000 |
| Net interest income | 6,053,000 | 12,130,000 | 18,378,000 | 24,509,000 |
| Noninterest income | 1,697,000 | 3,893,000 | 5,338,000 | 6,597,000 |
| Noninterest expense | 4,677,000 | 9,531,000 | 14,239,000 | 19,438,000 |
| Provision for loan losses | 260,000 | 500,000 | 650,000 | 900,000 |
| Pretax income | 2,813,000 | 5,992,000 | 8,839,000 | 10,784,000 |
| Income tax | 728,000 | 1,363,000 | 2,036,000 | 2,450,000 |
| Net income | 2,085,000 | 4,629,000 | 6,803,000 | 8,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,623,000 | 61,869,000 | 61,899,000 | 62,134,000 |
| Total capital | 66,982,000 | 68,424,000 | 68,559,000 | 68,837,000 |
| Risk-weighted assets | 509,131,000 | 524,082,000 | 532,531,000 | 535,930,000 |