The Woodbury Banking Company in Woodbury, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Woodbury Banking Company - Overview

  • General
  • FDIC Certificate #: 11297
    Status: Active
    Federal Reserve ID: 34836
    Bank Holding Company (Regulatory Top Holder): Woodbury Bancshares, Inc. (RSSDID: 1085853, Location: Woodbury, GA)
    Date Established: October 01, 1902
    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 #: 7211
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 05, 2008
    Last Structure Change Process Date: June 25, 2008
    Last Data Update: June 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 33 Jones Mill Road, Woodbury, GA 30293
    County: Meriwether
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $26.8 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $24.9 mil
    Return on assets (ROA): 0.41% ($0.1 mil)
    Quarterly return on assets: -1.34% (-$0.4 mil)
    Return on Equity (ROE): 6.22% ($0.1 mil)
    Quarterly return on equity: -19.90% (-$0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.41% ($109.9 mil)
    Quarterly Pretax return on assets: -1.34% (-$359.2 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
  • 11Total employees (full-time equivalent)
  • $26,803Total assets
  • $1,235Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,540Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $16,897Net loans & leases
  • $311Loan loss allowance
  • $0Trading account assets
  • $212Bank premises and fixed assets
  • $278Other real estate owned
  • $0Goodwill and other intangibles
  • $26,803Life insurance assets
  • $641All other assets
  • $25,012Total liabilities and capital
  • $24,932Total liabilities
  • $21,083Total deposits
  • $24,932Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $80Subordinated debt
  • $1,791All other liabilities
  • $1,791Total equity capital
  • $1,791Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,900Surplus
  • $-209Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $891Income earned, not collected on loans
  • $0Earning assets
  • $212Long-term assets (5+ years)
  • $24,437Average Assets, year-to-date
  • $6,931Average Assets, quarterly
  • $27,757Volatile liabilities
  • $27,368Insider loans
  • $17,414FHLB advances
  • $27,849Loans and leases held for sale
  • $304Unused loan commitments
  • $304Tier 1 (core) risk-based capital
  • $1,770Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $738Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,288Total interest income
  • $283Total interest expense
  • $1,005Net interest income
  • $67Provision for loan and lease losses
  • $116Total noninterest income
  • $0Fiduciary activities
  • $77Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $1,096Total noninterest expense
  • $605Salaries and employee benefits
  • $122Premises and equipment expense
  • $369Additional noninterest expense
  • -$42Pre-tax net operating income
  • $157Securities gains (losses)
  • $0Applicable income taxes
  • $115Income before extraordinary items
  • $0Extraordinary gains - net
  • $115Net income attributable to bank
  • $0Net charge-offs
  • $115Cash dividends
  • $41Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.51%Noninterest expense to earning assets
  • -0.15%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 6.22%Return on equity (ROE)
  • 6.22%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 163.41%Credit loss provision to net charge-offs
  • 0.61%Efficiency ratio
  • 97,770Assets per employee
  • 2.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 34.90%Noncurrent assets plus other real estate owned to assets
  • 4.36%Noncurrent loans to loans
  • 5.18%Net loans and leases to deposits
  • 67.77%Net loans and leases to core deposits
  • 74.51%Equity capital to assets
  • 6.68%Core capital (leverage) ratio
  • 6.36%Tier 1 risk-based capital ratio
  • 10.16%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $27,757Average earning assets
  • $1,849Average equity
  • $24,287Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07211The Woodbury Banking Company33 Jones Mill Road, Woodbury, GA 30293October 01, 1902Full Service Brick and Mortar

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