Bank of Wrightsville in Wrightsville, Georgia (GA)



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Bank of Wrightsville routing number info

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Bank of Wrightsville
GeneralFDIC Certificate #: 5699
Status: Active
Federal Reserve ID: 176437
Bank Holding Company (Regulatory Top Holder): Wrightsville Bancshares, Inc. (RSSDID: 1138656, Location: Wrightsville, GA)
Date Established: January 01, 1897
WWW: http://www.bankofwrightsville.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 3883
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
LocationAddress: 156 N. Bradford St., Wrightsville, GA 31096
County: Johnson
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Dublin, GA (#20140)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Financial SummaryTotal assets: $54.8 mil
Equity capital: $5.0 mil
Deposits held in domestic offices: $48.3 mil
Return on assets (ROA): -1.57% (-$0.9 mil)
Quarterly return on assets: -0.13% (-$0.1 mil)
Return on Equity (ROE): -17.06% (-$0.9 mil)
Quarterly return on equity: -1.43% (-$0.1 mil)
Net income: -$0.9 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: -1.57% (-$859.8 mil)
Quarterly Pretax return on assets: -0.13% (-$71.2 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)17
Total assets$54,767
Cash and due from depository institutions$10,656
Interest-bearing balances$9,157
Securities$12,009
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$26,646
Loan loss allowance $655
Trading account assets$0
Bank premises and fixed assets$565
Other real estate owned$2,374
Goodwill and other intangibles$0
All other assets$2,517
Life insurance assets$54,767
Total liabilities and capital$49,783
Total liabilities$48,305
Total deposits$40,723
Interest-bearing deposits$48,305
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,478
All other liabilities $4,984
Total equity capital$4,984
Total bank equity capital$4,984
Perpetual preferred stock$0
Common stock$200
Surplus$3,800
Undivided profits $984
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $792
Earning assets $0
Long-term assets (5+ years) $252
Average Assets, year-to-date $47,812
Average Assets, quarterly $9,101
Volatile liabilities $54,724
Insider loans $54,208
FHLB advances $30,624
Loans and leases held for sale $53,990
Unused loan commitments $2,089
Tier 1 (core) risk-based capital $2,089
Tier 2 risk-based capital $4,952
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,461
Derivatives$1,303
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,187
Total interest expense $393
Net interest income $1,794
Provision for loan and lease losses $157
Total noninterest income $381
Fiduciary activities $0
Service charges on deposit accounts $214
Trading account gains & fees $0
Additional noninterest income $167
Total noninterest expense $2,877
Salaries and employee benefits $878
Premises and equipment expense $238
Additional noninterest expense $1,761
Pre-tax net operating income -$859
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$859
Extraordinary gains - net $0
Net income attributable to bank -$859
Net charge-offs $0
Cash dividends -$859
Sale, conversion, retirement of capital stock, net $267
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.69%
Cost of funding earning assets 0.84%
Net interest margin 3.84%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 6.17%
Net operating income to assets -1.57%
Return on assets (ROA) -1.57%
Pretax return on assets -1.57%
Return on equity (ROE) -17.06%
Retained earnings to average equity (YTD only) -17.06%
Net charge-offs to loans 0.96%
Credit loss provision to net charge-offs 58.80%
Efficiency ratio-2.63%
Assets per employee$132,276
Cash dividends to net income (YTD only)3.22%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.40%
Noncurrent assets plus other real estate owned to assets 82.70%
Noncurrent loans to loans 5.78%
Net loans and leases to deposits2.90%
Net loans and leases to core deposits 55.16%
Equity capital to assets 56.59%
Core capital (leverage) ratio 9.10%
Tier 1 risk-based capital ratio 9.17%
Total risk-based capital ratio 16.17%
Memoranda
Average assets$17
Average earning assets$54,724
Average equity $5,035
Average loans $46,663
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1 Georgia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03883Bank Of Wrightsville156 N. Bradford St., Wrightsville, GA 31096January 01, 1897Full Service Brick and Mortar
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