The Bank of Waynesboro in Waynesboro, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Bank of Waynesboro in Waynesboro, Tennessee (TN)
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The Bank of Waynesboro - Overview

  • General
  • FDIC Certificate #: 2375
    Status: Active
    Federal Reserve ID: 505831
    Bank Holding Company (Regulatory Top Holder): Fcb Corporation (RSSDID: 1085488, Location: Manchester, TN)
    Date Established: January 01, 1904
    WWW: http://www.thebankofwaynesboro.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13517
    FDIC's unique #: 1562
    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: January 01, 1934
    Last Structure Change Effective Date: May 28, 2010
    Last Structure Change Process Date: May 28, 2010
    Last Data Update: May 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 South Main Street, Waynesboro, TN 38485
    County: Wayne
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $138.9 mil
    Equity capital: $18.2 mil
    Deposits held in domestic offices: $119.9 mil
    Return on assets (ROA): 1.15% ($1.6 mil)
    Quarterly return on assets: 1.25% ($1.7 mil)
    Return on Equity (ROE): 9.36% ($1.7 mil)
    Quarterly return on equity: 9.67% ($1.7 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.79% ($2,486.1 mil)
    Quarterly Pretax return on assets: 1.93% ($2,680.5 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
  • 50Total employees (full-time equivalent)
  • $138,888Total assets
  • $12,782Cash and due from depository institutions
  • $5,568Interest-bearing balances
  • $20,633Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,669Net loans & leases
  • $2,498Loan loss allowance
  • $0Trading account assets
  • $3,397Bank premises and fixed assets
  • $1,406Other real estate owned
  • $0Goodwill and other intangibles
  • $138,888Life insurance assets
  • $5,001All other assets
  • $120,688Total liabilities and capital
  • $119,877Total liabilities
  • $105,867Total deposits
  • $119,877Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $811Subordinated debt
  • $18,200All other liabilities
  • $18,200Total equity capital
  • $18,200Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,000Surplus
  • $16,900Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,120Income earned, not collected on loans
  • $0Earning assets
  • $847Long-term assets (5+ years)
  • $121,870Average Assets, year-to-date
  • $16,801Average Assets, quarterly
  • $143,917Volatile liabilities
  • $140,052Insider loans
  • $100,465FHLB advances
  • $139,139Loans and leases held for sale
  • $2,268Unused loan commitments
  • $2,268Tier 1 (core) risk-based capital
  • $18,106Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,412Restructured Loans and leases
  • $405Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,541Total interest income
  • $1,359Total interest expense
  • $6,182Net interest income
  • $710Provision for loan and lease losses
  • $678Total noninterest income
  • $0Fiduciary activities
  • $558Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $3,612Total noninterest expense
  • $1,957Salaries and employee benefits
  • $442Premises and equipment expense
  • $1,213Additional noninterest expense
  • $2,538Pre-tax net operating income
  • $45Securities gains (losses)
  • $925Applicable income taxes
  • $1,658Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,658Net income attributable to bank
  • $0Net charge-offs
  • $1,658Cash dividends
  • $483Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.94%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.87%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 9.36%Return on equity (ROE)
  • 5.97%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 147.00%Credit loss provision to net charge-offs
  • 6.72%Efficiency ratio
  • 52,653Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.19%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 223.04%Noncurrent assets plus other real estate owned to assets
  • 1.82%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 79.81%Net loans and leases to core deposits
  • 84.48%Equity capital to assets
  • 13.10%Core capital (leverage) ratio
  • 13.01%Tier 1 risk-based capital ratio
  • 18.02%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $143,917Average earning assets
  • $17,723Average equity
  • $127,031Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $221Managed Assets
  • 1Number 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
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 18Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $221Other retirement accounts
  • $221Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01562The Bank Of Waynesboro201 South Main Street, Waynesboro, TN 38485January 01, 1904Full Service Brick and Mortar
    1192568Collinwood BranchMain Street, Collinwood, TN 38450January 01, 1904Full Service Brick and Mortar
    2192569Barlow BranchHighway 64 East, Waynesboro, TN 38485June 19, 1975Full Service Brick and Mortar
    3429747Community Bank Of Lawrence Co. Branc2102 North Locust Avenue, Lawrenceburg, TN 38464November 03, 2003Full Service Brick and Mortar

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