PackageTrendsPeer
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Wilber National Bank

Oneonta, NY · Cert 7239

FDIC

Q1 2011

$895.0MAssets
$493.5MLoans
$742.5MDeposits
$73.3MEquity
Loan mix
72%RE $262.2M15%C&I $53.1M14%Consumer $49.6MQ2 2009Q1 2011
Deposit mix
91%Interest-bearing $673.6M9%Noninterest $68.9MQ2 2009Q1 2011

Executive Summary

  • Earnings: ROA of 0.37%, down 43 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.53%.
  • Funding: loans stand at 66.47% of deposits as of Q1 2011.

Return on Assets (YTD, annualized)

0.37%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.11%-38 bps YoY

Efficiency Ratio (YTD, annualized)

79.45%+912 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.03%Q1 ’094.73%Q1 ’104.31%Q1 ’11+12%-11%

Non-interest income vs. expense

2.57%Q1 ’092.87%Q1 ’103.10%Q1 ’11+6%+1%

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.63%0.83%0.86%0.80%0.67%0.82%0.80%0.37%-43 bps
Return on Equity8.77%11.30%11.43%10.23%8.45%10.07%9.73%4.49%-574 bps
Net Interest Margin3.23%3.38%3.54%3.49%3.42%3.46%3.45%3.11%-38 bps
Efficiency Ratio73.12%71.17%71.70%70.33%72.62%72.51%74.71%79.45%+912 bps
Non-Interest Burden2.23%2.25%2.38%2.29%2.34%2.35%2.42%2.31%+2 bps
Growth
Asset Growth (YoY)7.08%3.19%-1.98%-1.31%-0.69%-1.03%-4.14%-4.56%-325 bps
Loan Growth (YoY)21.59%12.01%0.66%-3.84%-7.41%-9.40%-10.91%-14.58%-1,074 bps
Deposit Growth (YoY)7.96%4.34%-1.46%-1.64%-0.72%-0.74%-5.00%-5.75%-411 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.29%0.25%0.43%0.39%0.44%0.49%0.53%0.53%+14 bps
Allowance / Loans1.45%1.53%1.47%1.53%1.78%1.86%1.84%1.96%+43 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.45%12.31%12.71%13.12%13.73%14.31%14.48%15.28%+215 bps
Equity / Assets7.32%7.80%7.92%7.80%8.18%8.55%8.49%8.19%+38 bps
Liquidity & Funding
Loans / Deposits77.46%78.79%77.88%73.34%72.25%71.92%73.03%66.47%-687 bps
Liquid Assets / Assets8.42%9.02%10.15%9.64%12.87%10.77%9.49%11.99%+234 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a