Bank of Wrightsville

Bank of Wrightsville is headquartered in Wrightsville and is the 221^st largest bank in the state of Georgia. It is also the 6,225^th largest bank in the nation. It was established in 1897 and as of December of 2011, it had grown to 17 employees at 1 location. Bank of Wrightsville has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bank of Wrightsville FDIC Certificate # 5699 BankRate Report View Year Established 1897 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $54.77 million Loans $26.65 million Deposits $48.31 million Equity Capital $4.98 million Loan Loss Allowance $655,000 Unbacked Noncurrent Loans $792,000 Real Estate Owned $2.37 million Historic Data - December 2010 Assets $55.49 million Equity Capital $5.37 million Loan Loss Allowance $765,000 Unbacked Noncurrent Loans $2.41 million Real Estate Owned $2.71 million Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets -1.57% Return on Equity -17.06% Interest Income $2.19 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Wrightsville had $3.17 million in non-current loans and owned real-estate with $5.64 million in equity and loan loss allowances on hand to cover it. This gives Bank of Wrightsville a Texas Ratio of 56.14% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Wrightsville decreased slightly from 83.51% as of December 31, 2010 to 56.14% as of December 31, 2011, resulting in a positive change of 32.77%.This indicates that the balance sheet and financial strength for Bank of Wrightsville has improved slightly in recent periods. Deposit Growth In the past year, Bank of Wrightsville has increased its total deposits by $30,000, resulting in 0.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Wrightsville has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Wrightsville has $54.77 million in assets with $5.64 million in equity, resulting in a capitalization level of 10.30%, which is above average.

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