The Wilton Bank in Wilton, Connecticut (CT)



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The Wilton Bank routing number info

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The Wilton Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)20
Total assets$76,412
Cash and due from depository institutions$25,483
Interest-bearing balances$24,166
Securities$2,499
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$39,960
Loan loss allowance $1,305
Trading account assets$0
Bank premises and fixed assets$4,497
Other real estate owned$2,869
Goodwill and other intangibles$0
All other assets$1,104
Life insurance assets$76,412
Total liabilities and capital$66,640
Total liabilities$66,447
Total deposits$50,914
Interest-bearing deposits$66,447
Deposits held in domestic offices$90
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $193
All other liabilities $9,772
Total equity capital$9,772
Total bank equity capital$9,772
Perpetual preferred stock$0
Common stock$2,406
Surplus$2,869
Undivided profits $4,497
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 $12,967
Earning assets $0
Long-term assets (5+ years) $119
Average Assets, year-to-date $66,625
Average Assets, quarterly $10,939
Volatile liabilities $79,959
Insider loans $76,507
FHLB advances $51,918
Loans and leases held for sale $75,362
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,772
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,404
Derivatives$4
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,042
Total interest expense $244
Net interest income $1,798
Provision for loan and lease losses $900
Total noninterest income $706
Fiduciary activities $0
Service charges on deposit accounts $88
Trading account gains & fees $0
Additional noninterest income $618
Total noninterest expense $3,523
Salaries and employee benefits $1,757
Premises and equipment expense $247
Additional noninterest expense $1,519
Pre-tax net operating income -$1,919
Securities gains (losses) $0
Applicable income taxes $1,351
Income before extraordinary items -$3,270
Extraordinary gains - net $0
Net income attributable to bank -$3,270
Net charge-offs $0
Cash dividends -$3,270
Sale, conversion, retirement of capital stock, net $1,629
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 assets2.92%
Cost of funding earning assets 0.35%
Net interest margin 2.57%
Noninterest income to earning assets 1.01%
Noninterest expense to earning assets 5.04%
Net operating income to assets -4.09%
Return on assets (ROA) -4.09%
Pretax return on assets -2.40%
Return on equity (ROE) -29.27%
Retained earnings to average equity (YTD only) -29.27%
Net charge-offs to loans 3.55%
Credit loss provision to net charge-offs 55.25%
Efficiency ratio-0.63%
Assets per employee$140,695
Cash dividends to net income (YTD only)3.82%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.16%
Noncurrent assets plus other real estate owned to assets 10.06%
Noncurrent loans to loans 20.72%
Net loans and leases to deposits31.42%
Net loans and leases to core deposits 60.14%
Equity capital to assets 63.19%
Core capital (leverage) ratio 12.79%
Tier 1 risk-based capital ratio 12.97%
Total risk-based capital ratio 18.82%
Memoranda
Average assets$20
Average earning assets$79,959
Average equity $11,172
Average loans $69,877
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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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