Call reports 2008
WILBER NATIONAL BANK — 2008
What WILBER NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 851,679,000 | 873,470,000 | 887,754,000 | 924,816,000 |
| Total loans | 455,498,000 | 500,071,000 | 533,908,000 | 583,979,000 |
| Allowance for loan losses | 6,965,000 | 6,965,000 | 7,226,000 | 7,564,000 |
| Securities available for sale | 238,836,000 | 253,263,000 | 242,065,000 | 216,694,000 |
| Securities held to maturity | 50,507,000 | 48,923,000 | 46,063,000 | 44,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 714,087,000 | 727,057,000 | 727,462,000 | 765,878,000 |
| Interest-bearing deposits | 643,977,000 | 649,981,000 | 652,136,000 | 693,705,000 |
| Noninterest-bearing deposits | 70,110,000 | 77,076,000 | 75,326,000 | 72,173,000 |
| Equity capital | 68,319,000 | 66,609,000 | 68,590,000 | 66,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 11,385,000 | 22,670,000 | 34,460,000 | 46,336,000 |
| Interest expense | 5,264,000 | 10,208,000 | 15,170,000 | 19,976,000 |
| Net interest income | 6,121,000 | 12,462,000 | 19,290,000 | 26,360,000 |
| Noninterest income | 1,176,000 | 2,891,000 | 4,168,000 | 5,254,000 |
| Noninterest expense | 5,265,000 | 10,962,000 | 16,672,000 | 22,239,000 |
| Provision for loan losses | 225,000 | 400,000 | 900,000 | 1,530,000 |
| Pretax income | 2,067,000 | 4,251,000 | 6,148,000 | 8,319,000 |
| Income tax | 467,000 | 1,031,000 | 1,456,000 | 1,943,000 |
| Net income | 1,600,000 | 3,220,000 | 4,692,000 | 6,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,860,000 | 61,498,000 | 63,510,000 | 64,829,000 |
| Total capital | 68,787,000 | 68,531,000 | 70,807,000 | 72,464,000 |
| Risk-weighted assets | 554,047,000 | 592,288,000 | 608,370,000 | 636,094,000 |
Machine access — free, no API key
Every figure shown here about WILBER NATIONAL BANK — 2008 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.