Wilson Bank and Trust in Lebanon, Tennessee (TN)

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Wilson Bank and Trust
GeneralFDIC Certificate #: 26962
Status: Active
Federal Reserve ID: 159636
Bank Holding Company (Regulatory Top Holder): Wilson Bank Holding Company (RSSDID: 2004141, Location: Lebanon, TN)
Date Established: May 11, 1987
WWW: http://www.wilsonbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 25 (Domestic: 25, Interstate: No)
OTS Docket #: 10534
FDIC's unique #: 36373
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: May 11, 1987
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 623 West Main Street, Lebanon, TN 37087
County: Wilson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Nashville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
History of ChangesName Change
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $1,567.4 mil
Equity capital: $155.6 mil
Deposits held in domestic offices: $1,398.3 mil
Return on assets (ROA): 0.68% ($10.7 mil)
Quarterly return on assets: 0.60% ($9.4 mil)
Return on Equity (ROE): 6.91% ($10.8 mil)
Quarterly return on equity: 6.07% ($9.5 mil)
Net income: $10.3 mil
Quarterly Net income: $2.3 mil
Pretax return on assets: 1.12% ($17,554.8 mil)
Quarterly Pretax return on assets: 1.03% ($16,144.1 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)364
Total assets$1,567,391
Cash and due from depository institutions$30,477
Interest-bearing balances$19,174
Federal funds sold & reverse repurchase agreements$13,215
Net loans & leases$1,113,508
Loan loss allowance $24,525
Trading account assets$0
Bank premises and fixed assets$35,385
Other real estate owned$19,117
Goodwill and other intangibles$4,917
All other assets$25,578
Life insurance assets$1,567,391
Total liabilities and capital$1,411,792
Total liabilities$1,398,287
Total deposits$1,365,558
Interest-bearing deposits$1,398,287
Deposits held in domestic offices$89
% insured (estimated)7419.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $6,086
All other liabilities $155,599
Total equity capital$155,599
Total bank equity capital$155,599
Perpetual preferred stock$0
Common stock$6,995
Undivided profits $133,206
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $14,775
Income earned, not collected on loans $30,635
Earning assets $0
Long-term assets (5+ years) $5,930
Average Assets, year-to-date $1,471,091
Average Assets, quarterly $629,350
Volatile liabilities $1,516,186
Insider loans $1,554,059
FHLB advances $1,186,982
Loans and leases held for sale $1,557,651
Unused loan commitments $2,001
Tier 1 (core) risk-based capital $2,001
Tier 2 risk-based capital $149,817
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $158,633
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $72,430
Total interest expense $17,888
Net interest income $54,542
Provision for loan and lease losses $8,678
Total noninterest income $10,628
Fiduciary activities $0
Service charges on deposit accounts $5,380
Trading account gains & fees $0
Additional noninterest income $5,248
Total noninterest expense $39,679
Salaries and employee benefits $22,846
Premises and equipment expense $4,697
Additional noninterest expense $12,136
Pre-tax net operating income $16,813
Securities gains (losses) $192
Applicable income taxes $6,715
Income before extraordinary items $10,290
Extraordinary gains - net $0
Net income attributable to bank $10,290
Net charge-offs $0
Cash dividends $10,290
Sale, conversion, retirement of capital stock, net $6,330
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 assets5.08%
Cost of funding earning assets 1.26%
Net interest margin 3.83%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 2.79%
Net operating income to assets 0.67%
Return on assets (ROA) 0.68%
Pretax return on assets 1.12%
Return on equity (ROE) 6.91%
Retained earnings to average equity (YTD only) 6.91%
Net charge-offs to loans 0.57%
Credit loss provision to net charge-offs 137.09%
Efficiency ratio4.03%
Assets per employee$60,278
Cash dividends to net income (YTD only)4.31%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.16%
Noncurrent assets plus other real estate owned to assets 80.06%
Noncurrent loans to loans 3.17%
Net loans and leases to deposits2.69%
Net loans and leases to core deposits 79.63%
Equity capital to assets 83.99%
Core capital (leverage) ratio 9.93%
Tier 1 risk-based capital ratio 9.62%
Total risk-based capital ratio 12.62%
Average assets$14
Average earning assets$1,516,186
Average equity $148,897
Average loans $1,424,536
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Total Fiduciary and Related Assets (December 31, 2003)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$3,340
Number of Accounts1
Personal trust and agency accounts$3,340
Employee benefit-defined contribution accounts$3,303
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$2
Investment management agency accounts$0
Other fiduciary accounts$35
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts19
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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25 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
036373Wilson Bank And Trust623 West Main Street, Lebanon, TN 37087May 11, 1987Full Service Brick and Mortar
2260544Lebanon Branch1444 Baddour Parkway, Lebanon, TN 37087March 17, 1990Full Service Brick and Mortar
3253026Watertown Branch101 Public Square, Watertown, TN 37184August 22, 1977Full Service Brick and Mortar
4260545Mt. Juliet Branch1476 North Mt. Juliet Road, Mount Juliet, TN 37122March 28, 1994Full Service Brick and Mortar
5260546Gladeville Tennessee Branch8875 Stewarts Ferry Pike, Mount Juliet, TN 37122December 09, 1992Full Service Brick and Mortar
6260547Tennessee Boulevard Branch200 Tennessee Boulevard, Lebanon, TN 37087October 25, 1993Full Service Brick and Mortar
7260548Wal-Mart Supercenter Branch615 South Cumberland, Lebanon, TN 37087May 24, 1995Full Service Brick and Mortar
8260549Mcmurry Branch127 Mcmurry Boulevard, Hartsville, TN 37074Febuary 21, 1997Full Service Brick and Mortar
9260550Castle Heights Ave North Branch1130 Castle Heights Ave. N., Lebanon, TN 37087December 08, 1998Full Service Brick and Mortar
10260551Hermitage Office Branch204 Jackson Meadow Drive, Hermitage, TN 37076November 27, 1999Full Service Brick and Mortar
11424606Leeville 109 BranchHighway 109 And East Division Street, Lebanon, TN 37087January 05, 2004Full Service Brick and Mortar
13430462Highway 70 Branch11835 Lebanon Road, Mount Juliet, TN 37122July 13, 2004Full Service Brick and Mortar
14437940Donelson Branch217 Donelson Pike, Nashville, TN 37214January 18, 2005Full Service Brick and Mortar
1557127Community Bank Of Smith County Branc1300 Main Street North, Carthage, TN 37030December 16, 1996Full Service Brick and Mortar
16423239Gordonsville Branch7 New Middleton Highway, Gordonsville, TN 38563November 17, 2003Full Service Brick and Mortar
1756311Dekalb Community Bank Branch568 West Broad Street, Smithville, TN 37166April 18, 1996Full Service Brick and Mortar
18290423Alexandria Branch306 Brush Creek Road, Alexandria, TN 37012December 08, 1997Full Service Brick and Mortar
19445980Broad Street Office710 North West Broad Street, Murfreesboro, TN 37129November 14, 2005Full Service Brick and Mortar
20465504Smyrna Office Branch210 South Commerce Drive, Smyrna, TN 37167October 01, 2006Full Service Brick and Mortar
21465737Memorial Branch3110 Memorial Boulevard, Murfreesboro, TN 37130October 30, 2006Full Service Brick and Mortar
22474315Church Street Branch2640 South Church Street, Murfreesboro, TN 37128January 02, 2008Full Service Brick and Mortar
23495061Mckendree Village Office Of Wilson B4347 Lebanon Road, Hermitage, TN 37076September 29, 2009Full Service Brick and Mortar
24516199Wilson Bank And Trust Loan Productio393 Maple Street, Suite 100-A, Gallatin, TN 37066Febuary 01, 2011Limited Service Loan Production
25517923Gallatin Office455 West Main Street, Gallatin, TN 37066Febuary 01, 2011Full Service Brick and Mortar
26521474Providence Office Branch709 S Mt Juliet Rd, Mount Juliet, TN 37122May 02, 2011Full Service Retail
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