The First National Bank of Waynesboro
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 32.6 and a capital leverage ratio of 17.6. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.3 has resulted in Excellent (9.8) profitability.
Other Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (8.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (30%), cash (23%), securities (12%), consumer loans (10%), comm re (6%), comm loans (5%), other (14%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Burke Banking Company
Investment Rating
--
Address
626 North Liberty Street
Waynesboro, GA 30830
Waynesboro, GA 30830
Phone Number
(706) 554-8100
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.