Wilber National Bank in Oneonta, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 09, 2011

Wilber National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 261Total employees (full-time equivalent)
  • $868,947Total assets
  • $30,437Cash and due from depository institutions
  • $19,527Interest-bearing balances
  • $267,693Securities
  • $1,034Federal funds sold & reverse repurchase agreements
  • $514,002Net loans & leases
  • $9,657Loan loss allowance
  • $0Trading account assets
  • $5,467Bank premises and fixed assets
  • $1,912Other real estate owned
  • $4,619Goodwill and other intangibles
  • $17,594Life insurance assets
  • $43,783All other assets
  • $868,947Total liabilities and capital
  • $795,085Total liabilities
  • $717,009Total deposits
  • $646,690Interest-bearing deposits
  • $717,009Deposits held in domestic offices
  • 84.54%% insured (estimated)
  • $14,363Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $57,570Other borrowed funds
  • $0Subordinated debt
  • $6,143All other liabilities
  • $73,862Total equity capital
  • $73,862Total bank equity capital
  • $73,793Perpetual preferred stock
  • $0Common stock
  • $2,182Surplus
  • $3,322Undivided profits
  • Memoranda
  • $68,289Noncurrent loans and leases
  • $75,009Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $69Income earned, not collected on loans
  • $19,960Earning assets
  • $474Long-term assets (5+ years)
  • $2,557Average Assets, year-to-date
  • $802,256Average Assets, quarterly
  • $482,118Volatile liabilities
  • $909,748Insider loans
  • $887,786FHLB advances
  • $121,693Loans and leases held for sale
  • $3,188Unused loan commitments
  • $55,743Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,243Total risk weighted assets
  • $75,009Total unused commitments
  • $0Restructured Loans and leases
  • $7,109Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $42,171Total interest income
  • $11,445Total interest expense
  • $30,726Net interest income
  • $3,825Provision for loan and lease losses
  • $5,533Total noninterest income
  • $1,763Fiduciary activities
  • $1,661Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,109Additional noninterest income
  • $27,097Total noninterest expense
  • $15,609Salaries and employee benefits
  • $2,863Premises and equipment expense
  • $8,625Additional noninterest expense
  • $5,337Pre-tax net operating income
  • $4,541Securities gains (losses)
  • $2,622Applicable income taxes
  • $7,256Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,249Net income attributable to bank
  • $7Net charge-offs
  • $7,256Cash dividends
  • $2,790Sale, conversion, retirement of capital stock, net
  • $2,465Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.19%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 9.73%Return on equity (ROE)
  • 6.42%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 137.10%Credit loss provision to net charge-offs
  • 3.28%Efficiency ratio
  • 74,710Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.00%Loss allowance to loans
  • 1.84%Loss allowance to noncurrent loans
  • 48.38%Noncurrent assets plus other real estate owned to assets
  • 2.52%Noncurrent loans to loans
  • 3.81%Net loans and leases to deposits
  • 71.69%Net loans and leases to core deposits
  • 84.00%Equity capital to assets
  • 8.49%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 13.22%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $909,748Average earning assets
  • $74,464Average equity
  • $849,623Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $255,549Managed Assets
  • 1Number of Accounts
  • $255,186Personal trust and agency accounts
  • $102,673Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $26,697Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $51,809Other fiduciary accounts
  • $74,007Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 578Number of Accounts
  • $0Personal trust and agency accounts
  • $26,697Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $363Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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