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Greenville Banking Company, The

Greenville, GA · Cert 12078

FDIC · 1 branch

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Greenville Banking Company, The

Greenville, GA · Cert 12078

FDIC · 1 branch

Q3 2015

$28.2MAssets
$10.0MLoans
$23.7MDeposits
$4.2MEquity
Loan mix
85%RE $7.7M12%C&I $1.0M4%Consumer $0.4MQ3 2014Q3 2015
Deposit mix
76%Interest-bearing $18.1M24%Noninterest $5.6MQ3 2014Q3 2015

NIM

3.68%Q3 ’133.41%Q3 ’142.68%Q3 ’15-7%-22%

Non-interest income vs. expense

3.82%Q3 ’133.96%Q3 ’143.66%Q3 ’15+2%-7%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2015 SOD (annual) · 0.0% share · #85 of 97 inst. · $0.0B of $146.1B

Executive Summary

  • Earnings: ROA of -0.20%, down 47 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.48%.
  • Funding: loans stand at 42.07% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.20%-47 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-70 bps YoY

Efficiency Ratio (YTD, annualized)

105.86%+1,262 bps YoY

Tier 1 Leverage Ratio

14.48%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.27%0.11%-0.29%-0.24%-0.20%-47 bps
Return on Equity1.79%0.73%-1.99%-1.62%-1.37%-316 bps
Net Interest Margin3.22%3.20%2.59%2.51%2.52%-70 bps
Efficiency Ratio93.24%97.92%108.61%106.91%105.86%+1,262 bps
Non-Interest Burden2.94%3.12%2.89%2.74%2.73%-21 bps
Growth
Asset Growth (YoY)-6.27%0.84%2.10%3.96%9.43%+1,570 bps
Loan Growth (YoY)-14.17%-15.54%-23.22%-16.83%-14.39%-22 bps
Deposit Growth (YoY)-7.67%0.52%1.22%4.59%10.95%+1,862 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.18%1.29%1.30%1.17%+17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a14.61%14.28%14.48%n/a
Total Risk-Based Capital22.37%22.14%30.52%52.56%44.77%+2,240 bps
Equity / Assets16.17%15.51%14.12%14.47%14.80%-137 bps
Liquidity & Funding
Loans / Deposits54.53%43.64%35.22%36.92%42.07%-1,245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a