Wilson Bank and Trust in Lebanon, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Wilson Bank and Trust in Lebanon, Tennessee (TN)
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Wilson Bank and Trust - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Name Change
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 364Total employees (full-time equivalent)
  • $1,567,391Total assets
  • $30,477Cash and due from depository institutions
  • $19,174Interest-bearing balances
  • $325,194Securities
  • $13,215Federal funds sold & reverse repurchase agreements
  • $1,113,508Net loans & leases
  • $24,525Loan loss allowance
  • $0Trading account assets
  • $35,385Bank premises and fixed assets
  • $19,117Other real estate owned
  • $4,917Goodwill and other intangibles
  • $1,567,391Life insurance assets
  • $25,578All other assets
  • $1,411,792Total liabilities and capital
  • $1,398,287Total liabilities
  • $1,365,558Total deposits
  • $1,398,287Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 7419.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6,086Subordinated debt
  • $155,599All other liabilities
  • $155,599Total equity capital
  • $155,599Total bank equity capital
  • $0Perpetual preferred stock
  • $6,995Common stock
  • $15,398Surplus
  • $133,206Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $14,775Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $30,635Income earned, not collected on loans
  • $0Earning assets
  • $5,930Long-term assets (5+ years)
  • $1,471,091Average Assets, year-to-date
  • $629,350Average Assets, quarterly
  • $1,516,186Volatile liabilities
  • $1,554,059Insider loans
  • $1,186,982FHLB advances
  • $1,557,651Loans and leases held for sale
  • $2,001Unused loan commitments
  • $2,001Tier 1 (core) risk-based capital
  • $149,817Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $158,633Restructured Loans and leases
  • $8,019Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $72,430Total interest income
  • $17,888Total interest expense
  • $54,542Net interest income
  • $8,678Provision for loan and lease losses
  • $10,628Total noninterest income
  • $0Fiduciary activities
  • $5,380Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,248Additional noninterest income
  • $39,679Total noninterest expense
  • $22,846Salaries and employee benefits
  • $4,697Premises and equipment expense
  • $12,136Additional noninterest expense
  • $16,813Pre-tax net operating income
  • $192Securities gains (losses)
  • $6,715Applicable income taxes
  • $10,290Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,290Net income attributable to bank
  • $0Net charge-offs
  • $10,290Cash dividends
  • $6,330Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 6.91%Return on equity (ROE)
  • 6.91%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 137.09%Credit loss provision to net charge-offs
  • 4.03%Efficiency ratio
  • 60,278Assets per employee
  • 4.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 80.06%Noncurrent assets plus other real estate owned to assets
  • 3.17%Noncurrent loans to loans
  • 2.69%Net loans and leases to deposits
  • 79.63%Net loans and leases to core deposits
  • 83.99%Equity capital to assets
  • 9.93%Core capital (leverage) ratio
  • 9.62%Tier 1 risk-based capital ratio
  • 12.62%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,516,186Average earning assets
  • $148,897Average equity
  • $1,424,536Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,340Managed Assets
  • 1Number of Accounts
  • $3,340Personal trust and agency accounts
  • $3,303Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $35Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 19Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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