Wilber National Bank in Oneonta, New York (NY)



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Wilber National Bank routing number info

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Wilber National Bank
GeneralFDIC Certificate #: 7239
Status: Inactive
Closing history: Absorption - Without Assistance
Acquiring institution: Community Bank, National Association (#6989)
Federal Reserve ID: 875918
Date Established: June 12, 1874
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 23 (Interstate: No)
OTS Docket #: 10380
FDIC's unique #: 4770
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 09, 2011
Last Structure Change Process Date: June 13, 2011
Last Data Update: June 13, 2011
Data Source Date: April 05, 2012
LocationAddress: 245 Main Street, Oneonta, NY 13820
County: Otsego
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Syracuse
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Core Based Statistical Area (CBSA): Oneonta, NY (#36580)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $895.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2010)
(Dollar figures in thousands)
Total employees (full-time equivalent)261
Total assets$868,947
Cash and due from depository institutions$30,437
Interest-bearing balances$19,527
Securities$267,693
Federal funds sold & reverse repurchase agreements$1,034
Net loans & leases$514,002
Loan loss allowance $9,657
Trading account assets$0
Bank premises and fixed assets$5,467
Other real estate owned$1,912
Goodwill and other intangibles$4,619
All other assets$43,783
Life insurance assets$17,594
Total liabilities and capital$868,947
Total liabilities$795,085
Total deposits$717,009
Interest-bearing deposits$646,690
Deposits held in domestic offices$717,009
% insured (estimated)84.54%
Federal funds purchased & repurchase agreements $14,363
Trading liabilities$0
Other borrowed funds $57,570
Subordinated debt $0
All other liabilities $6,143
Total equity capital$73,862
Total bank equity capital$73,862
Perpetual preferred stock$73,793
Common stock$0
Surplus$2,182
Undivided profits $3,322
Memoranda
Noncurrent loans and leases $68,289
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $75,009
Income earned, not collected on loans $69
Earning assets $19,960
Long-term assets (5+ years) $474
Average Assets, year-to-date $2,557
Average Assets, quarterly $802,256
Volatile liabilities $482,118
Insider loans $909,748
FHLB advances $887,786
Loans and leases held for sale $121,693
Unused loan commitments $3,188
Tier 1 (core) risk-based capital $55,743
Tier 2 risk-based capital $0
Total risk weighted assets $1,243
Total unused commitments $75,009
Restructured Loans and leases $0
Derivatives$7,109
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Income and Expense (December 31, 2010)
(Dollar figures in thousands)
Total interest income $42,171
Total interest expense $11,445
Net interest income $30,726
Provision for loan and lease losses $3,825
Total noninterest income $5,533
Fiduciary activities $1,763
Service charges on deposit accounts $1,661
Trading account gains & fees $0
Additional noninterest income $2,109
Total noninterest expense $27,097
Salaries and employee benefits $15,609
Premises and equipment expense $2,863
Additional noninterest expense $8,625
Pre-tax net operating income $5,337
Securities gains (losses) $4,541
Applicable income taxes $2,622
Income before extraordinary items $7,256
Extraordinary gains - net $0
Net income attributable to bank $7,249
Net charge-offs $7
Cash dividends $7,256
Sale, conversion, retirement of capital stock, net $2,790
Net operating income $2,465
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Performance and Condition Ratios (December 31, 2010)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.96%
Cost of funding earning assets 1.35%
Net interest margin 3.62%
Noninterest income to earning assets 0.65%
Noninterest expense to earning assets 3.19%
Net operating income to assets 0.43%
Return on assets (ROA) 0.80%
Pretax return on assets 1.09%
Return on equity (ROE) 9.73%
Retained earnings to average equity (YTD only) 6.42%
Net charge-offs to loans 0.50%
Credit loss provision to net charge-offs 137.10%
Efficiency ratio3.28%
Assets per employee$74,710
Cash dividends to net income (YTD only)3.33%
Condition Ratios (%)
Loss allowance to loans 34.00%
Loss allowance to noncurrent loans 1.84%
Noncurrent assets plus other real estate owned to assets 48.38%
Noncurrent loans to loans 2.52%
Net loans and leases to deposits3.81%
Net loans and leases to core deposits 71.69%
Equity capital to assets 84.00%
Core capital (leverage) ratio 8.49%
Tier 1 risk-based capital ratio 8.45%
Total risk-based capital ratio 13.22%
Memoranda
Average assets$14
Average earning assets$909,748
Average equity $74,464
Average loans $849,623
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Total Fiduciary and Related Assets (December 31, 2010)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$255,549
Number of Accounts1
Personal trust and agency accounts$255,186
Employee benefit-defined contribution accounts$102,673
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$26,697
Investment management agency accounts$0
Other fiduciary accounts$51,809
Fiduciary accounts held in foreign offices$74,007
Non-managed Assets$0
Number of Accounts578
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$26,697
Employee benefit-defined benefit accounts$0
Other retirement accounts$363
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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