BankGreenville

BankGreenville is headquartered in Greenville and is the 52^nd largest bank in the state of South Carolina. It is also the 4,426^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 14 employees at 1 location. BankGreenville has a 3-star health rating.

BankGreenville Routing Number: 053208147

Data for Q4 2011

Institution Statistics BankGreenville FDIC Certificate # 58157 BankRate Report View Year Established 2006 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $120.56 million Loans $58.96 million Deposits $100.74 million Equity Capital $10.24 million Loan Loss Allowance $994,000 Unbacked Noncurrent Loans $2.94 million Real Estate Owned $1.33 million Historic Data - December 2010 Assets $116.42 million Equity Capital $9.94 million Loan Loss Allowance $866,000 Unbacked Noncurrent Loans $1.24 million Real Estate Owned $2.20 million Profit Margin - Quarterly Net Interest Margin 2.3% Return on Assets -0.06% Return on Equity -0.71% Interest Income $4.31 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 BankGreenville had $4.27 million in non-current loans and owned real-estate with $11.24 million in equity and loan loss allowances on hand to cover it. This gives BankGreenville a Texas Ratio of 38.02% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for BankGreenville increased slightly from 31.80% as of December 31, 2010 to 38.02% as of December 31, 2011, resulting in a negative change of 19.55%. This indicates that the balance sheet and financial strength for BankGreenville has declined slightly in recent periods. Deposit Growth In the past year, BankGreenville has increased its total deposits by $3.79 million, resulting in 3.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth BankGreenville has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. BankGreenville has $120.56 million in assets with $11.24 million in equity, resulting in a capitalization level of 9.32%, which is average.

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