The Greenville Banking Company in Greenville, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Greenville Banking Company - Overview

  • General
  • FDIC Certificate #: 12078
    Status: Active
    Federal Reserve ID: 501039
    Bank Holding Company (Regulatory Top Holder): Meriwether Bank Shares, Inc. (RSSDID: 2470090, Location: Greenville, GA)
    Date Established: January 01, 1887
    WWW: http://www.greenvillebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 7675
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 412 Lagrange Street, Greenville, GA 30222
    County: Meriwether
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $27.7 mil
    Equity capital: $4.3 mil
    Deposits held in domestic offices: $23.2 mil
    Return on assets (ROA): 0.67% ($0.2 mil)
    Quarterly return on assets: 0.45% ($0.1 mil)
    Return on Equity (ROE): 4.53% ($0.2 mil)
    Quarterly return on equity: 2.92% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.67% ($185.7 mil)
    Quarterly Pretax return on assets: 0.23% ($63.7 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
  • 10Total employees (full-time equivalent)
  • $27,714Total assets
  • $5,161Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,260Securities
  • $610Federal funds sold & reverse repurchase agreements
  • $11,937Net loans & leases
  • $124Loan loss allowance
  • $0Trading account assets
  • $162Bank premises and fixed assets
  • $15Other real estate owned
  • $0Goodwill and other intangibles
  • $27,714Life insurance assets
  • $1,569All other assets
  • $23,461Total liabilities and capital
  • $23,158Total liabilities
  • $19,428Total deposits
  • $23,158Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $303Subordinated debt
  • $4,253All other liabilities
  • $4,253Total equity capital
  • $4,253Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $2,300Surplus
  • $953Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5Income earned, not collected on loans
  • $0Earning assets
  • $3Long-term assets (5+ years)
  • $20,807Average Assets, year-to-date
  • $9,542Average Assets, quarterly
  • $28,174Volatile liabilities
  • $27,637Insider loans
  • $20,388FHLB advances
  • $27,987Loans and leases held for sale
  • $1,356Unused loan commitments
  • $1,356Tier 1 (core) risk-based capital
  • $4,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,235Restructured Loans and leases
  • $18Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,147Total interest income
  • $142Total interest expense
  • $1,005Net interest income
  • $0Provision for loan and lease losses
  • $316Total noninterest income
  • $0Fiduciary activities
  • $194Service charges on deposit accounts
  • $0Trading account gains & fees
  • $122Additional noninterest income
  • $1,116Total noninterest expense
  • $577Salaries and employee benefits
  • $155Premises and equipment expense
  • $384Additional noninterest expense
  • $205Pre-tax net operating income
  • -$1Securities gains (losses)
  • $1Applicable income taxes
  • $203Income before extraordinary items
  • -$15Extraordinary gains - net
  • $188Net income attributable to bank
  • $0Net charge-offs
  • $188Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $80Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.53%Net interest margin
  • 1.42%Noninterest income to earning assets
  • 5.03%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 4.53%Return on equity (ROE)
  • 2.60%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 8.20%Efficiency ratio
  • 84,481Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.55%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 2480.00%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 51.55%Net loans and leases to core deposits
  • 51.55%Equity capital to assets
  • 15.35%Core capital (leverage) ratio
  • 14.64%Tier 1 risk-based capital ratio
  • 20.10%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $28,174Average earning assets
  • $4,152Average equity
  • $22,208Average loans

List of branches

  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07675The Greenville Banking Company412 Lagrange Street, Greenville, GA 30222January 01, 1887Full Service Brick and Mortar

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