Call reports 2009
WILBER NATIONAL BANK — 2009
What WILBER NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 950,251,000 | 935,304,000 | 916,071,000 | 906,519,000 |
| Total loans | 600,822,000 | 608,034,000 | 598,047,000 | 587,813,000 |
| Allowance for loan losses | 8,491,000 | 8,838,000 | 9,162,000 | 8,622,000 |
| Securities available for sale | 219,793,000 | 205,481,000 | 192,284,000 | 173,252,000 |
| Securities held to maturity | 48,712,000 | 63,760,000 | 69,570,000 | 69,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 800,946,000 | 784,929,000 | 759,035,000 | 754,723,000 |
| Interest-bearing deposits | 732,660,000 | 710,393,000 | 685,881,000 | 683,903,000 |
| Noninterest-bearing deposits | 68,285,000 | 74,536,000 | 73,154,000 | 70,820,000 |
| Equity capital | 67,733,000 | 68,479,000 | 71,459,000 | 71,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,761,000 | 23,516,000 | 35,371,000 | 46,809,000 |
| Interest expense | 4,476,000 | 8,302,000 | 11,566,000 | 14,504,000 |
| Net interest income | 7,285,000 | 15,214,000 | 23,805,000 | 32,305,000 |
| Noninterest income | 971,000 | 2,482,000 | 3,999,000 | 5,484,000 |
| Noninterest expense | 6,020,000 | 12,989,000 | 19,862,000 | 27,194,000 |
| Provision for loan losses | 1,200,000 | 2,150,000 | 2,720,000 | 3,570,000 |
| Pretax income | 1,556,000 | 3,989,000 | 7,711,000 | 10,702,000 |
| Income tax | 347,000 | 1,012,000 | 1,882,000 | 2,771,000 |
| Net income | 1,209,000 | 2,969,000 | 5,821,000 | 7,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,065,000 | 66,045,000 | 68,351,000 | 70,048,000 |
| Total capital | 73,401,000 | 73,983,000 | 76,099,000 | 77,704,000 |
| Risk-weighted assets | 666,668,000 | 645,881,000 | 618,326,000 | 611,471,000 |
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