Wayne County Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 4.8 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.6. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.8 has resulted in Excellent (9.8) profitability.
Asset Mix:
Home mtgs (17%), comm re (17%), cash (15%), securities (9%), comm loans (8%), consumer loans (5%), other (29%)
States with Branches:
TN
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
Wayne County Bancshares, Inc.
Investment Rating
--
Address
216 South High Street
Waynesboro, TN 38485
Waynesboro, TN 38485
Phone Number
(931) 722-5438
Year Founded
1914
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.