The Wilton Bank in Wilton, Connecticut (CT)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Wilton Bank - Overview

  • General
  • FDIC Certificate #: 26948
    Status: Active
    Federal Reserve ID: 965800
    Date Established: April 27, 1987
    WWW: http://www.thewiltonbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9763
    FDIC's unique #: 36350
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 27, 1987
    Last Structure Change Effective Date: March 05, 2011
    Last Structure Change Process Date: August 11, 2011
    Last Data Update: August 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 47 Old Ridgefield Road, Wilton, CT 6897
    County: Fairfield
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Hartford
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Stamford-Norwalk, CT (#8040)
    Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
    Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
    Core Based Statistical Area (CBSA): Bridgeport-Stamford-Norwalk, CT (#14860)
    CBSA Metro Statistical Area: Bridgeport-Stamford-Norwalk, CT (#14860)
  • Financial Summary
  • Total assets: $76.4 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $66.4 mil
    Return on assets (ROA): -4.09% (-$3.1 mil)
    Quarterly return on assets: -3.01% (-$2.3 mil)
    Return on Equity (ROE): -29.27% (-$2.9 mil)
    Quarterly return on equity: -22.90% (-$2.3 mil)
    Net income: -$3.3 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: -2.40% (-$1,833.9 mil)
    Quarterly Pretax return on assets: -2.91% (-$2,223.6 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
  • 20Total employees (full-time equivalent)
  • $76,412Total assets
  • $25,483Cash and due from depository institutions
  • $24,166Interest-bearing balances
  • $2,499Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $39,960Net loans & leases
  • $1,305Loan loss allowance
  • $0Trading account assets
  • $4,497Bank premises and fixed assets
  • $2,869Other real estate owned
  • $0Goodwill and other intangibles
  • $76,412Life insurance assets
  • $1,104All other assets
  • $66,640Total liabilities and capital
  • $66,447Total liabilities
  • $50,914Total deposits
  • $66,447Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $193Subordinated debt
  • $9,772All other liabilities
  • $9,772Total equity capital
  • $9,772Total bank equity capital
  • $0Perpetual preferred stock
  • $2,406Common stock
  • $2,869Surplus
  • $4,497Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,967Income earned, not collected on loans
  • $0Earning assets
  • $119Long-term assets (5+ years)
  • $66,625Average Assets, year-to-date
  • $10,939Average Assets, quarterly
  • $79,959Volatile liabilities
  • $76,507Insider loans
  • $51,918FHLB advances
  • $75,362Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,772Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,404Restructured Loans and leases
  • $4Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,042Total interest income
  • $244Total interest expense
  • $1,798Net interest income
  • $900Provision for loan and lease losses
  • $706Total noninterest income
  • $0Fiduciary activities
  • $88Service charges on deposit accounts
  • $0Trading account gains & fees
  • $618Additional noninterest income
  • $3,523Total noninterest expense
  • $1,757Salaries and employee benefits
  • $247Premises and equipment expense
  • $1,519Additional noninterest expense
  • -$1,919Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,351Applicable income taxes
  • -$3,270Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,270Net income attributable to bank
  • $0Net charge-offs
  • -$3,270Cash dividends
  • $1,629Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.92%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 2.57%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 5.04%Noninterest expense to earning assets
  • -4.09%Net operating income to assets
  • -4.09%Return on assets (ROA)
  • -2.40%Pretax return on assets
  • -29.27%Return on equity (ROE)
  • -29.27%Retained earnings to average equity (YTD only)
  • 3.55%Net charge-offs to loans
  • 55.25%Credit loss provision to net charge-offs
  • -0.63%Efficiency ratio
  • 140,695Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.16%Loss allowance to noncurrent loans
  • 10.06%Noncurrent assets plus other real estate owned to assets
  • 20.72%Noncurrent loans to loans
  • 31.42%Net loans and leases to deposits
  • 60.14%Net loans and leases to core deposits
  • 63.19%Equity capital to assets
  • 12.79%Core capital (leverage) ratio
  • 12.97%Tier 1 risk-based capital ratio
  • 18.82%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $79,959Average earning assets
  • $11,172Average equity
  • $69,877Average loans

List of branches

  • 2 Connecticut Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036350The Wilton Bank47 Old Ridgefield Road, Wilton, CT 6897April 27, 1987Full Service Brick and Mortar
    1260533Wilton Branch435 Danbury Road, Wilton, CT 6897June 17, 1998Limited Service Facility

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Wilton Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents