# BANKGREENVILLE
GREENVILLE, SC · FDIC certificate 58157 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $105.1M | |
| Deposits | $90.4M | |
| Loans and leases | $52.9M | |
| Total equity | $9.7M | |
| Loans / deposits | 57.44% (p30 of band) | 68.67% |
| Liquid assets / assets | 44.25% (p67 of band) | |
| Uninsured deposits / deposits | 22.68% (p86 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.47% (p66 of band) | |
| FHLB advances / assets | 4.47% | |
| Tier 1 leverage | 9.69% (p41 of band) | 10.18% |
| Unrealized securities loss / equity | -10.76% (p6 of band) | -0.21% |
| AOCI / equity | -9.53% (p14 of band) | |
| ROA (annualized) | 0.23% (p17 of band) | 0.77% |
| Net interest margin | 2.42% (p7 of band) | 3.59% |
| Efficiency ratio | 89.39% (p81 of band) | |
| Noncurrent loans | 2.32% (p71 of band) | 1.13% |
| Net charge-offs (annualized) | -0.06% (p6 of band) | |
| Reserve coverage of noncurrent | 78.55% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 68.65% (p89 of band) | |
| Auto loans | $135,000 (0.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.4% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | NIM <2.5%, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | charge-offs p90, construction >100% equity |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 4 | losing money |  |
| 2012-03 | 2 |  | capital falling, losing money |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 | assets shrinking | charge-offs p90 |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58157 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "58157", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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