Greeneville Federal Bank, FSB

Greeneville Federal Bank, FSB is headquartered in Greeneville and is the 96^th largest bank in the state of Tennessee. It is also the 3,196^th largest bank in the nation. It was established in 1960 and as of March of 2012, it had grown to 46 employees at 3 locations. Greeneville Federal Bank, FSB's money market rates are 14% higher than the national average, but it has a 2-star health rating.

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Data for Q1 2012

Institution Statistics Greeneville Federal Bank, FSB OTS # 06518 FDIC Certificate # 31198 BankRate Report View Year Established 1960 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $194.41 million Loans $136.43 million Deposits $157.29 million Equity Capital $16.01 million Loan Loss Allowance $5.21 million Unbacked Noncurrent Loans $9.31 million Real Estate Owned $4.33 million Historic Data - March 2011 Assets $207.45 million Equity Capital $16.99 million Loan Loss Allowance $5.32 million Unbacked Noncurrent Loans $6.70 million Real Estate Owned $4.38 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets -1.6% Return on Equity -19.04% Interest Income $2.17 million

Institution Health Overall Score: 2 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 March 31, 2012 Greeneville Federal Bank, FSB had $13.65 million in non-current loans and owned real-estate with $21.22 million in equity and loan loss allowances on hand to cover it. This gives Greeneville Federal Bank, FSB a Texas Ratio of 64.31% 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 Greeneville Federal Bank, FSB increased slightly from 49.67% as of March 31, 2011 to 64.31% as of March 31, 2012, resulting in a negative change of 29.47%. This indicates that the balance sheet and financial strength for Greeneville Federal Bank, FSB has declined slightly in recent periods. Deposit Growth In the past year, Greeneville Federal Bank, FSB has decreased its total deposits by -$8.88 million, resulting in -5.34% 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 Greeneville Federal Bank, FSB has shown is poor. 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. Greeneville Federal Bank, FSB has $194.41 million in assets with $21.22 million in equity, resulting in a capitalization level of 10.92%, which is above average.

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