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Bank of Waynesboro

Waynesboro, TN · Cert 2375

FDIC · 5 branches

Q2 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Waynesboro

Waynesboro, TN · Cert 2375

FDIC · 5 branches

Q2 2020

$188.4MAssets
$120.6MLoans
$164.1MDeposits
$23.7MEquity
Loan mix
77%RE $82.3M14%C&I $15.3M9%Consumer $9.7MQ2 2019Q2 2020
Deposit mix
76%Interest-bearing $124.3M24%Noninterest $39.9MQ2 2019Q2 2020

NIM

4.69%Q2 ’185.12%Q2 ’194.52%Q2 ’20+6%-13%

Non-interest income vs. expense

3.12%Q2 ’183.11%Q2 ’193.47%Q2 ’20-18%+31%

Executive Summary

  • Earnings: ROA of 0.68%, down 101 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.33% of loans (-66 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.72%, down 24 bps from a year ago.
  • Funding: loans stand at 73.45% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

0.68%-101 bps YoY

Net Interest Margin (YTD, annualized)

3.96%-58 bps YoY

Efficiency Ratio (YTD, annualized)

72.76%+1,754 bps YoY

Tier 1 Leverage Ratio

12.72%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets1.69%1.64%1.58%1.03%0.68%-101 bps
Return on Equity12.94%12.48%12.02%7.88%5.25%-769 bps
Net Interest Margin4.55%4.58%4.47%4.29%3.96%-58 bps
Efficiency Ratio55.22%56.66%58.58%64.92%72.76%+1,754 bps
Non-Interest Burden2.03%2.19%2.28%2.58%2.66%+64 bps
Growth
Asset Growth (YoY)4.63%4.24%5.35%2.94%8.35%+373 bps
Loan Growth (YoY)6.17%1.86%-3.70%-3.25%-0.74%-691 bps
Deposit Growth (YoY)4.53%3.99%5.29%3.21%8.97%+444 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.86%0.33%0.45%0.33%-66 bps
Net Charge-Offs / Loans0.03%0.10%0.35%0.04%0.04%0 bps
Allowance / Loans1.76%1.73%1.47%1.59%1.78%+2 bps
Allowance Coverage of NPLs1.8x2.0x4.4x3.5x5.3x+3.6x
Capital
Tier 1 Leverage Ratio12.96%13.47%13.06%13.23%12.72%-24 bps
Total Risk-Based Capital18.65%19.67%20.16%20.47%20.99%+234 bps
Equity / Assets13.00%13.44%13.12%12.95%12.57%-42 bps
Liquidity & Funding
Loans / Deposits80.64%80.88%78.92%77.43%73.45%-718 bps
Liquid Assets / Assets11.05%10.83%12.18%13.52%21.87%+1,082 bps
CRE / Total Capitaln/an/an/an/an/an/an/a