The Bank of Waynesboro in Waynesboro, Tennessee (TN)

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The Bank of Waynesboro
GeneralFDIC 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
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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)50
Total assets$138,888
Cash and due from depository institutions$12,782
Interest-bearing balances$5,568
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$95,669
Loan loss allowance $2,498
Trading account assets$0
Bank premises and fixed assets$3,397
Other real estate owned$1,406
Goodwill and other intangibles$0
All other assets$5,001
Life insurance assets$138,888
Total liabilities and capital$120,688
Total liabilities$119,877
Total deposits$105,867
Interest-bearing deposits$119,877
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $811
All other liabilities $18,200
Total equity capital$18,200
Total bank equity capital$18,200
Perpetual preferred stock$0
Common stock$300
Undivided profits $16,900
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,120
Earning assets $0
Long-term assets (5+ years) $847
Average Assets, year-to-date $121,870
Average Assets, quarterly $16,801
Volatile liabilities $143,917
Insider loans $140,052
FHLB advances $100,465
Loans and leases held for sale $139,139
Unused loan commitments $2,268
Tier 1 (core) risk-based capital $2,268
Tier 2 risk-based capital $18,106
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,412
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,541
Total interest expense $1,359
Net interest income $6,182
Provision for loan and lease losses $710
Total noninterest income $678
Fiduciary activities $0
Service charges on deposit accounts $558
Trading account gains & fees $0
Additional noninterest income $120
Total noninterest expense $3,612
Salaries and employee benefits $1,957
Premises and equipment expense $442
Additional noninterest expense $1,213
Pre-tax net operating income $2,538
Securities gains (losses) $45
Applicable income taxes $925
Income before extraordinary items $1,658
Extraordinary gains - net $0
Net income attributable to bank $1,658
Net charge-offs $0
Cash dividends $1,658
Sale, conversion, retirement of capital stock, net $483
Net operating income $600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.94%
Cost of funding earning assets 1.07%
Net interest margin 4.87%
Noninterest income to earning assets 0.53%
Noninterest expense to earning assets 2.84%
Net operating income to assets 1.13%
Return on assets (ROA) 1.15%
Pretax return on assets 1.79%
Return on equity (ROE) 9.36%
Retained earnings to average equity (YTD only) 5.97%
Net charge-offs to loans 0.46%
Credit loss provision to net charge-offs 147.00%
Efficiency ratio6.72%
Assets per employee$52,653
Cash dividends to net income (YTD only)2.78%
Condition Ratios (%)
Loss allowance to loans 36.19%
Loss allowance to noncurrent loans 2.54%
Noncurrent assets plus other real estate owned to assets 223.04%
Noncurrent loans to loans 1.82%
Net loans and leases to deposits1.14%
Net loans and leases to core deposits 79.81%
Equity capital to assets 84.48%
Core capital (leverage) ratio 13.10%
Tier 1 risk-based capital ratio 13.01%
Total risk-based capital ratio 18.02%
Average assets$19
Average earning assets$143,917
Average equity $17,723
Average loans $127,031
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$221
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts18
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$221
Corporate trust and agency accounts$221
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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