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

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