FDIC Certificate #: 5699 Status: Active Federal Reserve ID: 176437 Bank Holding Company (Regulatory Top Holder): Wrightsville Bancshares, Inc. (RSSDID: 1138656, Location: Wrightsville, GA) Date Established: January 01, 1897 WWW:http://www.bankofwrightsville.com 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 #: 3883 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 02, 2010 Last Structure Change Process Date: June 02, 2010 Last Data Update: June 02, 2010 Data Source Date: April 05, 2012
Location
Address: 156 N. Bradford St., Wrightsville, GA 31096 County: Johnson Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Savannah Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Dublin, GA (#20140) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $54.8 mil Equity capital: $5.0 mil Deposits held in domestic offices: $48.3 mil Return on assets (ROA): -1.57% (-$0.9 mil) Quarterly return on assets: -0.13% (-$0.1 mil) Return on Equity (ROE): -17.06% (-$0.9 mil) Quarterly return on equity: -1.43% (-$0.1 mil) Net income: -$0.9 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -1.57% (-$859.8 mil) Quarterly Pretax return on assets: -0.13% (-$71.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$54,767Total assets
$10,656Cash and due from depository institutions
$9,157Interest-bearing balances
$12,009Securities
$0Federal funds sold & reverse repurchase agreements
$26,646Net loans & leases
$655Loan loss allowance
$0Trading account assets
$565Bank premises and fixed assets
$2,374Other real estate owned
$0Goodwill and other intangibles
$54,767Life insurance assets
$2,517All other assets
$49,783Total liabilities and capital
$48,305Total liabilities
$40,723Total deposits
$48,305Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,478Subordinated debt
$4,984All other liabilities
$4,984Total equity capital
$4,984Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$3,800Surplus
$984Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$792Income earned, not collected on loans
$0Earning assets
$252Long-term assets (5+ years)
$47,812Average Assets, year-to-date
$9,101Average Assets, quarterly
$54,724Volatile liabilities
$54,208Insider loans
$30,624FHLB advances
$53,990Loans and leases held for sale
$2,089Unused loan commitments
$2,089Tier 1 (core) risk-based capital
$4,952Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,461Restructured Loans and leases
$1,303Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,187Total interest income
$393Total interest expense
$1,794Net interest income
$157Provision for loan and lease losses
$381Total noninterest income
$0Fiduciary activities
$214Service charges on deposit accounts
$0Trading account gains & fees
$167Additional noninterest income
$2,877Total noninterest expense
$878Salaries and employee benefits
$238Premises and equipment expense
$1,761Additional noninterest expense
-$859Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$859Income before extraordinary items
$0Extraordinary gains - net
-$859Net income attributable to bank
$0Net charge-offs
-$859Cash dividends
$267Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.69%Yield on earning assets
0.84%Cost of funding earning assets
3.84%Net interest margin
0.82%Noninterest income to earning assets
6.17%Noninterest expense to earning assets
-1.57%Net operating income to assets
-1.57%Return on assets (ROA)
-1.57%Pretax return on assets
-17.06%Return on equity (ROE)
-17.06%Retained earnings to average equity (YTD only)
0.96%Net charge-offs to loans
58.80%Credit loss provision to net charge-offs
-2.63%Efficiency ratio
132,276Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.40%Loss allowance to noncurrent loans
82.70%Noncurrent assets plus other real estate owned to assets
5.78%Noncurrent loans to loans
2.90%Net loans and leases to deposits
55.16%Net loans and leases to core deposits
56.59%Equity capital to assets
9.10%Core capital (leverage) ratio
9.17%Tier 1 risk-based capital ratio
16.17%Total risk-based capital ratio
Memoranda
$17Average assets
$54,724Average earning assets
$5,035Average equity
$46,663Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3883
Bank Of Wrightsville
156 N. Bradford St., Wrightsville, GA 31096
January 01, 1897
Full Service Brick and Mortar
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