Exhibit 99.1
Greene County Bancshares, Inc.
Additional Loan and Deposit Information
September 30, 2004
(Unaudited)
(Dollar amounts in thousands)
Loans | | Balance | | % | |
Commercial | | $ | 142,156 | | 14.33 | % |
Commercial real estate | | 463,097 | | 46.67 | % |
Residential real estate | | 305,573 | | 30.80 | % |
Consumer | | 76,413 | | 7.70 | % |
Other | | 4,961 | | 0.50 | % |
| | 992,200 | | 100.00 | % |
| | | | | |
Less: Unearned interest income | | (10,694 | ) | | |
Total | | $ | 981,506 | | | |
Deposits | | Balance | | % | |
Non-interest bearing demand | | $ | 110,623 | | 12.59 | % |
Interest bearing demand | | 170,312 | | 19.40 | % |
Money market and savings | | 149,563 | | 17.03 | % |
Retail time | | 326,633 | | 37.20 | % |
Jumbo time | | 120,957 | | 13.78 | % |
Total | | $ | 878,088 | | 100.00 | % |
Loan and Deposit Balances by Banking Units and Operating Subsidiaries
| | Loan
Balance | | % to
Total Loans | | | | Deposit
Balance | | % to
Total Deposits | |
| | | | | | | | | | | |
Greene County Bank | | $ | 121,579 | | 12.38 | % | | | $ | 276,259 | | 31.46 | % |
American Fidelity Bank | | 303,728 | | 30.95 | % | | | 141,229 | | 16.08 | % |
Bank of Athens | | 44,235 | | 4.51 | % | | | 28,695 | | 3.27 | % |
Bank of Bulls Gap | | 5,338 | | 0.54 | % | | | 15,781 | | 1.80 | % |
Bank of Niota | | 15,011 | | 1.53 | % | | | 16,529 | | 1.88 | % |
Cocke County Bank | | 6,536 | | 0.67 | % | | | 19,549 | | 2.23 | % |
Community Bank of Loudon County | | 24,589 | | 2.51 | % | | | 23,841 | | 2.72 | % |
Community Trust Bank | | 14,716 | | 1.50 | % | | | 5,817 | | 0.66 | % |
First Bristol Bank | | 37,617 | | 3.83 | % | | | 25,568 | | 2.91 | % |
First Independent Bank | | 61,842 | | 6.30 | % | | | 101,420 | | 11.55 | % |
Hamblen County Bank | | 53,382 | | 5.44 | % | | | 40,204 | | 4.58 | % |
Hawkins County Bank | | 30,642 | | 3.12 | % | | | 47,027 | | 5.36 | % |
Rutherford Bank and Trust | | 70,807 | | 7.21 | % | | | 50,081 | | 5.70 | % |
Sullivan County Bank | | 22,218 | | 2.26 | % | | | 15,487 | | 1.76 | % |
Washington County Bank | | 137,661 | | 14.03 | % | | | 70,601 | | 8.04 | % |
| | | | | | | | | | | |
GCB Acceptance Corporation | | 12,568 | | 1.28 | % | | | — | | 0.00 | % |
Superior Financial Services, Inc. | | 19,037 | | 1.94 | % | | | — | | 0.00 | % |
| | | | | | | | | | | |
Totals | | $ | 981,506 | | 100.00 | % | | | $ | 878,088 | | 100.00 | % |
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Greene County Bancshares, Inc.
Additional Nonperforming Assets and Net Charge-off Information
(Dollar amounts in thousands)
As of and for the period ended September 30, 2004 (unaudited) | | Bank | | Other | | Total | |
Loan past due 90 days and still accruing | | $ | 979 | | $ | — | | $ | 979 | |
Nonaccrual loans | | 6,506 | | 708 | | 7,214 | |
Other real estate owned and repossessed assets | | 3,789 | | 340 | | 4,129 | |
Total nonperforming assets | | $ | 11,274 | | $ | 1,048 | | $ | 12,322 | |
| | | | | | | | | | |
Annualized net charge-offs | | $ | 2,892 | | $ | 1,723 | | $ | 4,615 | |
As of and for the period ended December 31, 2003 | | Bank | | Other | | Total | |
Loan past due 90 days and still accruing | | $ | 224 | | $ | — | | $ | 224 | |
Nonaccrual loans | | 3,641 | | 664 | | 4,305 | |
Other real estate owned and repossessed assets | | 3,760 | | 466 | | 4,226 | |
Total nonperforming assets | | $ | 7,625 | | $ | 1,130 | | $ | 8,755 | |
| | | | | | | | | | |
Net charge-offs | | $ | 2,653 | | $ | 2,484 | | $ | 5,137 | |
As of and for the period ended December 31, 2002 | | Bank | | Other | | Total | |
Loan past due 90 days and still accruing | | $ | 297 | | $ | 10 | | $ | 307 | |
Nonaccrual loans | | 6,573 | | 902 | | 7,475 | |
Other real estate owned and repossessed assets | | 4,538 | | 1,035 | | 5,573 | |
Total nonperforming assets | | $ | 11,408 | | $ | 1,947 | | $ | 13,355 | |
| | | | | | | | | | |
Net charge-offs | | $ | 2,833 | | $ | 2,867 | | $ | 5,700 | |
As of and for the period ended December 31, 2001 | | Bank | | Other | | Total | |
Loan past due 90 days and still accruing | | $ | 325 | | $ | 546 | | $ | 871 | |
Nonaccrual loans | | 4,383 | | 1,474 | | 5,857 | |
Other real estate owned and repossessed assets | | 2,278 | | 934 | | 3,212 | |
Total nonperforming assets | | $ | 6,986 | | $ | 2,954 | | $ | 9,940 | |
| | | | | | | | | | |
Net charge-offs | | $ | 2,611 | | $ | 3,855 | | $ | 6,466 | |
As of and for the period ended December 31, 2000 | | Bank | | Other | | Total | |
Loan past due 90 days and still accruing | | $ | 451 | | $ | 24 | | $ | 475 | |
Nonaccrual loans | | 4,433 | | 380 | | 4,813 | |
Other real estate owned and repossessed assets | | 1,793 | | 493 | | 2,286 | |
Total nonperforming assets | | $ | 6,677 | | $ | 897 | | $ | 7,574 | |
| | | | | | | | | | |
Net charge-offs | | $ | 2,626 | | $ | 3,987 | | $ | 6,613 | |
As of and for the period ended December 31, 1999 | | Bank | | Other | | Total | |
Loan past due 90 days and still accruing | | $ | 821 | | $ | 175 | | $ | 996 | |
Nonaccrual loans | | 2,347 | | 605 | | 2,952 | |
Other real estate owned and repossessed assets | | 1,886 | | 486 | | 2,372 | |
Total nonperforming assets | | $ | 5,054 | | $ | 1,266 | | $ | 6,320 | |
| | | | | | | | | | |
Net charge-offs | | $ | 1,270 | | $ | 1,784 | | $ | 3,054 | |
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