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Greenbankshares a L R G r e e n B a n k s h a r e s , I n c . • 2 0 0 8 A n n u GreenBankshares a l R e Financial Strength p o for Uncertain Times r t 100 North Main Street Greeneville, Tennessee 37743 (423) 639-5111 www.greenbankusa.com 2008 Annual Report Corporate Information Corporate Offices Annual Meeting of Shareholders Green Bankshares, Inc. The 2009 Annual Meeting of Shareholders will be held at 100 North Main Street 11:00 a.m., local time, on Friday, April 24, 2009, at the Banking Units Other Financial Services Operating Subsidiaries Greeneville, Tennessee 37743 General Morgan Inn, 111 North Main Street, Greeneville, GreenBank GreenWealth Fairway Title Company (423) 639-5111 Tennessee. GreenBank Mortgage GCB Acceptance Corporation Superior Financial Services Company Website Annual Report on Form 10-K www.greenbankusa.com A copy of the Company's Annual Report on Form 10-K for Locations the fiscal year ended December 31, 2008, as filed with the Registrar and Transfer Agent Securities and Exchange Commission, will be furnished Illinois Stock Transfer without charge to shareholders as of the record date for KINGSPORT BRISTOL LAFAYETTE 209 West Jackson Boulevard, Suite 903 the 2009 Annual Meeting upon written request to the ROGERSVILLE Chicago, Illinois 60606 Secretary, Green Bankshares, Inc., 100 North Main Street, CLARKSVILLE JOHNSON CITY GALLATIN CARTHAGE MORRISTOWN (312) 427-2953 Greeneville, Tennessee 37743. In addition, the Company (312) 427-2879 fax makes available free of charge its annual reports on Form KNOXVILLE NEWPORT GREENEVILLE 10-K, quarterly reports on Form 10-Q, current reports on NASHVILLE Independent Registered Public Accounting Firm Form 8-K, and all amendments to those reports filed with LENOIR Dixon Hughes PLLC or furnished to the SEC. The reports are available as soon CITY SEVIERVILLE MURFREESBORO MARYVILLE Atlanta, Georgia as reasonably practical after the Company electronically files such material with the SEC, and may be found in the FRANKLIN Special Counsel Documents section of Investor Relations at the Company's ATHENS Bass, Berry & Sims PLC website, www.greenbankusa.com. MADISONVILLE Nashville, Tennessee LAWRENCEBURG CLEVELAND Company Profile Greeneville, Tennessee-based Green Bankshares, Inc., with total assets of approximately $2.945 billion, is the holding company for GreenBank. GreenBank, which traces its origin to 1890, has 63 branches across East and Middle Tennessee, and one branch each in Bristol, Virginia, and Hot Springs, North Carolina. It also provides wealth management services through its GreenWealth Division and residential mortgage lending through its Mortgage Division. In addition, GreenBank conducts separate businesses through three wholly owned subsidiaries: Superior Financial Services, Inc., a consumer finance company; GCB Acceptance Corporation, a consumer finance company specializing in automobile lending; and Fairway Title Co., a title insurance company. Financial Overview (dollars in thousands, except per share amounts) 2008 2007 Financial position at December 31, Total assets $ 2,944,671 $ 2,947,741 Loans, net of unearned interest 2,223,390 2,356,376 Total deposits 2,184,147 1,986,793 Total shareholders' equity 381,231 322,477 Book value per share 23.56 24.94 Operations for the year ended December 31, Net interest income $ 95,025 $ 94,653 Provision for loan losses 52,810 14,483 Net interest income after provision for loan losses 42,215 80,170 Noninterest income 33,614 27,602 Noninterest expense 85,837 69,252 Income (loss) before income taxes (10,008) 38,520 Income tax provision (benefit) (4,648) 14,146 Income (loss) before preferred stock dividends (5,360) 23,374 Preferred stock dividends 92 -- Net income (loss) available to common shareholders $ (5,452) $ 23,374 Comprehensive income (loss) $ (7,530) $ 26,010 Earnings (loss) per share: Basic $ (0.42) $ 2.07 Diluted $ (0.42) $ 2.07 Dividends declared per common share $ 0.68* $ 0.68 * Includes special year-end stock dividend of 0.9254 shares of common stock, equivalent to $0.16 per common share. ) ) 5 1 4 7 2 7 5 7 5 7 0 0 7 4 0 2 3 4 . 2 4 5 7 1 0 . 1 4 2 7 4 2 8 0 8 3 2 4 1 4 4 . 5 1 1 2 2 8 4 2 4 8 7 6 2 0 3 1 1 2 2 ( 0 3 9 3 9 1 7 1 6 1 2 ( , , , , , 2 2 1 1 1 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 4 5 6 7 8 4 5 6 7 8 4 5 6 7 8 4 5 6 7 8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 TOTAL ASSETS SHAREHOLDERS’ NET INCOME (LOSS) EARNINGS (LOSS) (in millions) EQUITY (in millions) PER DILUTED (in millions) SHARE 1 Chairman’s Letter Fundamental Strength Throughout the past year, we continued to decisive steps during 2008 to reinforce this confront a very challenging operating view. The most significant of these was our environment, one shaped by continued decision in the fourth quarter to participate in weakness in residential real estate markets and the U.S. Treasury Department's Capital Purchase widening job losses. As our economy struggles Program, which is part of the government's with the recessionary conditions, these pressures effort to restore confidence in the nation's have had far-reaching effects on business in financial system by providing capital to healthy general and the banking industry in particular, financial institutions. Following action by more so than almost anyone could have shareholders in December 2008 to amend our imagined just a year ago. For most companies, by-laws to approve the issuance of preferred this translated into significantly lower revenues stock, we sold new Series A preferred equity and earnings – and even losses – in 2008. stock to the Treasury under this program. This generated net proceeds of $72,278,000, which That too was the case for Green Bankshares in will allow us to grow customer relationships 2008, where the economic downturn resulted and expand our banking franchise. in a significant increase in net charge-offs and non-performing assets. Together, these forces Strengthened by this new capital, we were led to a net loss for the year of $5,452,000 or positioned to address the issues that surround $0.42 per diluted common share versus net non-performing assets, which totaled income of $24,374,000 or $2.07 per diluted $76,806,000 or 2.61% of total assets at common share for 2007. December 31, 2008, up from $36,937,000 or 1.25% of total assets at December 31, 2007. Clearly, we are greatly disappointed by the For 2008, our provision for loan losses was Company's performance in 2008, knowing the $52,810,000 versus $14,483,000 for 2007, and markets we serve are inherently vibrant. In net charge-offs totaled $38,110,000 or 1.63% down cycles, we naturally would expect to see of average total loans compared with higher credit losses, but the reach of this $11,696,000 or 0.57% for 2007. The effect of recession clearly is unprecedented. the higher provision in 2008 increased our allowance for loan losses to $48,811,000 or During these uncertain times, we believe it is 2.20% of total loans from $34,111,000 or paramount to build even stronger capital levels 1.45% of total loans in 2007. and loan loss reserves, and we took several 2 During these uncertain times, we believe it is paramount to build even stronger capital levels and loan loss reserves. Despite the impact of these difficult challenges, 2008 will not soon subside. We recognize the we ended 2008 with a very strong capital likelihood that an ongoing recession will keep position, one that supports our objectives for defaults and losses in our loan portfolio at an future growth as well as our customers' interests elevated level. Yet major questions remain: in safety and soundness. At year-end 2008, we Where are we in this economic cycle, and how were classified as a "well-capitalized" bank, the soon and how fast does the economy emerge in highest capital regulatory rating a financial some sort of meaningful recovery? We have no institution can achieve. GreenBank's total risk- crystal ball with which to answer these questions, based capital ratio was 14.60%, significantly and we will not attempt to make predictions. exceeding the required minimum of 10% to be deemed well capitalized. What we are willing to predict is the long-term potential of our footprint spanning three major Despite strong economic headwinds, our core areas of Tennessee, and the hardworking, banking business remained fundamentally capable and dedicated team of associates located sound in 2008, as reflected in our net interest in resilient communities across the state. As income and fee income. At December 31, Tennessee's Most Convenient Bank, bolstered 2008, our total assets amounted to by strong capital levels, we continue to believe $2,944,671,000, down slightly from our brand of convenience and attentive, $2,947,741,000 at December 31, 2007, as net personal service will give us an advantage over loans declined to $2,223,390,000 from the long haul. We appreciate your continuing $2,356,376,000 at December 31, 2007. support and interest in Green Bankshares. Deposits at December 31, 2008, increased to $2,184,147,000 from $1,986,793,000 at December 31, 2007. Contributing to a 22% increase in non-interest income for the year was the ongoing positive impact of our High Stan Puckett Performance Checking product, under which Chairman and Chief Executive Officer we opened 7,919 net new accounts in 2008.
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