Call reports 2010
WILBER NATIONAL BANK — 2010
What WILBER NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 937,771,000 | 928,878,000 | 906,625,000 | 868,947,000 |
| Total loans | 577,759,000 | 562,998,000 | 541,849,000 | 523,659,000 |
| Allowance for loan losses | 8,862,000 | 10,046,000 | 10,056,000 | 9,657,000 |
| Securities available for sale | 219,015,000 | 198,304,000 | 219,140,000 | 204,732,000 |
| Securities held to maturity | 65,169,000 | 65,834,000 | 59,995,000 | 62,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 787,802,000 | 779,284,000 | 753,402,000 | 717,009,000 |
| Interest-bearing deposits | 717,731,000 | 710,787,000 | 674,415,000 | 646,690,000 |
| Noninterest-bearing deposits | 70,071,000 | 68,497,000 | 78,987,000 | 70,319,000 |
| Equity capital | 73,182,000 | 75,986,000 | 77,549,000 | 73,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 10,987,000 | 21,784,000 | 32,253,000 | 42,171,000 |
| Interest expense | 2,872,000 | 5,816,000 | 8,701,000 | 11,445,000 |
| Net interest income | 8,115,000 | 15,968,000 | 23,552,000 | 30,726,000 |
| Noninterest income | 1,363,000 | 2,486,000 | 3,888,000 | 5,533,000 |
| Noninterest expense | 6,674,000 | 13,409,000 | 19,905,000 | 27,097,000 |
| Provision for loan losses | 800,000 | 2,675,000 | 3,425,000 | 3,825,000 |
| Pretax income | 2,594,000 | 4,159,000 | 7,767,000 | 9,878,000 |
| Income tax | 740,000 | 1,041,000 | 2,124,000 | 2,622,000 |
| Net income | 1,854,000 | 3,111,000 | 5,636,000 | 7,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,259,000 | 71,865,000 | 74,077,000 | 74,838,000 |
| Total capital | 78,780,000 | 79,103,000 | 81,207,000 | 81,947,000 |
| Risk-weighted assets | 600,242,000 | 576,132,000 | 567,388,000 | 566,115,000 |