The First National Bank of Waynesboro in Waynesboro, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Waynesboro - Overview

  • General
  • FDIC Certificate #: 2160
    Status: Active
    Federal Reserve ID: 31134
    Bank Holding Company (Regulatory Top Holder): First Burke Banking Company (RSSDID: 1137752, Location: Waynesboro, GA)
    Date Established: January 01, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11878
    FDIC's unique #: 1429
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 626 Liberty Street, Waynesboro, GA 30830
    County: Burke
    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
    Core Based Statistical Area (CBSA): Augusta-Richmond County, GA-SC (#12260)
    CBSA Metro Statistical Area: Augusta-Richmond County, GA-SC (#12260)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $112.3 mil
    Equity capital: $15.9 mil
    Deposits held in domestic offices: $84.5 mil
    Return on assets (ROA): 1.09% ($1.2 mil)
    Quarterly return on assets: 1.03% ($1.2 mil)
    Return on Equity (ROE): 7.94% ($1.3 mil)
    Quarterly return on equity: 7.19% ($1.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.45% ($1,627.7 mil)
    Quarterly Pretax return on assets: 1.40% ($1,571.6 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
  • 39Total employees (full-time equivalent)
  • $112,256Total assets
  • $27,117Cash and due from depository institutions
  • $25,563Interest-bearing balances
  • $25,870Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $53,518Net loans & leases
  • $700Loan loss allowance
  • $0Trading account assets
  • $2,891Bank premises and fixed assets
  • $25Other real estate owned
  • $0Goodwill and other intangibles
  • $112,256Life insurance assets
  • $2,835All other assets
  • $96,355Total liabilities and capital
  • $84,503Total liabilities
  • $65,584Total deposits
  • $84,503Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,852Subordinated debt
  • $15,901All other liabilities
  • $15,901Total equity capital
  • $15,901Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $250Surplus
  • $15,451Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $378Income earned, not collected on loans
  • $0Earning assets
  • $797Long-term assets (5+ years)
  • $104,951Average Assets, year-to-date
  • $37,998Average Assets, quarterly
  • $111,067Volatile liabilities
  • $111,030Insider loans
  • $54,250FHLB advances
  • $112,357Loans and leases held for sale
  • $980Unused loan commitments
  • $980Tier 1 (core) risk-based capital
  • $15,281Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,603Restructured Loans and leases
  • $2,717Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,370Total interest income
  • $965Total interest expense
  • $4,405Net interest income
  • $294Provision for loan and lease losses
  • $1,120Total noninterest income
  • $0Fiduciary activities
  • $889Service charges on deposit accounts
  • $0Trading account gains & fees
  • $231Additional noninterest income
  • $3,682Total noninterest expense
  • $1,722Salaries and employee benefits
  • $481Premises and equipment expense
  • $1,479Additional noninterest expense
  • $1,549Pre-tax net operating income
  • $64Securities gains (losses)
  • $401Applicable income taxes
  • $1,212Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,212Net income attributable to bank
  • $0Net charge-offs
  • $1,212Cash dividends
  • $234Sale, conversion, retirement of capital stock, net
  • $276Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 4.27%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 7.94%Return on equity (ROE)
  • 6.13%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 125.64%Credit loss provision to net charge-offs
  • 7.88%Efficiency ratio
  • 66,643Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.77%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 185.19%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 63.33%Net loans and leases to core deposits
  • 65.79%Equity capital to assets
  • 14.16%Core capital (leverage) ratio
  • 13.60%Tier 1 risk-based capital ratio
  • 28.17%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $111,067Average earning assets
  • $15,266Average equity
  • $103,205Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01429The First National Bank Of Waynesbor626 Liberty Street, Waynesboro, GA 30830January 01, 1905Full Service Brick and Mortar
    1192023Sixth Street Branch528 West Sixth Street, Waynesboro, GA 30830January 07, 1972Limited Service Facility
    2192024Supermarket Branch208 Sixth Street, Waynesboro, GA 30830July 16, 1987Limited Service Facility

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