FDIC Certificate #: 10074 Status: Active Federal Reserve ID: 102333 Date Established: July 16, 1907 WWW:http://www.wilcobank.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 #: 6442 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: 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: 103 East Bank Street, Irwinton, GA 31042 County: Wilkinson 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
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $52.2 mil Equity capital: $6.2 mil Deposits held in domestic offices: $45.6 mil Return on assets (ROA): 0.58% ($0.3 mil) Quarterly return on assets: 0.87% ($0.5 mil) Return on Equity (ROE): 4.64% ($0.3 mil) Quarterly return on equity: 7.07% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.88% ($459.7 mil) Quarterly Pretax return on assets: 1.07% ($558.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$52,236Total assets
$4,802Cash and due from depository institutions
$0Interest-bearing balances
$15,050Securities
$6,914Federal funds sold & reverse repurchase agreements
$24,760Net loans & leases
$406Loan loss allowance
$0Trading account assets
$123Bank premises and fixed assets
$144Other real estate owned
$0Goodwill and other intangibles
$52,236Life insurance assets
$443All other assets
$46,078Total liabilities and capital
$45,644Total liabilities
$36,070Total deposits
$45,644Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$434Subordinated debt
$6,158All other liabilities
$6,158Total equity capital
$6,158Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$3,500Surplus
$2,458Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$297Income earned, not collected on loans
$0Earning assets
$173Long-term assets (5+ years)
$46,724Average Assets, year-to-date
$10,128Average Assets, quarterly
$50,715Volatile liabilities
$51,278Insider loans
$24,182FHLB advances
$51,244Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,235Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,111Restructured Loans and leases
$251Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,078Total interest income
$375Total interest expense
$1,703Net interest income
$195Provision for loan and lease losses
$184Total noninterest income
$0Fiduciary activities
$137Service charges on deposit accounts
$0Trading account gains & fees
$47Additional noninterest income
$1,261Total noninterest expense
$703Salaries and employee benefits
$88Premises and equipment expense
$470Additional noninterest expense
$431Pre-tax net operating income
$17Securities gains (losses)
$153Applicable income taxes
$295Income before extraordinary items
$0Extraordinary gains - net
$295Net income attributable to bank
$0Net charge-offs
$295Cash dividends
$206Sale, conversion, retirement of capital stock, net
$224Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.74%Yield on earning assets
0.86%Cost of funding earning assets
3.89%Net interest margin
0.42%Noninterest income to earning assets
2.88%Noninterest expense to earning assets
0.56%Net operating income to assets
0.58%Return on assets (ROA)
0.88%Pretax return on assets
4.64%Return on equity (ROE)
1.12%Retained earnings to average equity (YTD only)
0.81%Net charge-offs to loans
94.66%Credit loss provision to net charge-offs
3.04%Efficiency ratio
66,826Assets per employee
5.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.93%Loss allowance to loans
1.61%Loss allowance to noncurrent loans
136.70%Noncurrent assets plus other real estate owned to assets
0.84%Noncurrent loans to loans
1.18%Net loans and leases to deposits
54.25%Net loans and leases to core deposits
66.84%Equity capital to assets
11.79%Core capital (leverage) ratio
12.17%Tier 1 risk-based capital ratio
25.78%Total risk-based capital ratio
Memoranda
$27Average assets
$50,715Average earning assets
$6,363Average equity
$43,817Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6442
Wilkinson County Bank
103 East Bank Street, Irwinton, GA 31042
July 16, 1907
Full Service Brick and Mortar
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