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
No
ID
Name
Address
Established
Service Type
Map
0
7211
The Woodbury Banking Company
33 Jones Mill Road, Woodbury, GA 30293
October 01, 1902
Full Service Brick and Mortar
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