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1
Annual Meeting of Stockholders
November 2nd, 2019
Greene County Bancorp, Inc.
Banking At Its Best!
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2
Martin C. Smith
Chairman of the Board
Call to Order
Introduction of Directors &
Chairman of the Meeting
Greene County Bancorp, Inc.
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3
Donald E. Gibson
President, Chief Executive Officer &
Director
Greene County Bancorp, Inc.
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4
Greene County Bancorp, Inc.
Annual Meeting Agenda
Business Meeting
Annual Report to Shareholders
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5
Greene County Bancorp, Inc.
Donald E. Gibson
President, Chief Executive Officer &
Director
Business Meeting
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6
Greene County Bancorp, Inc.
Business Meeting
Proposal #1:
Election of Directors:
1) Donald E. Gibson
2) David H. Jenkins, DVM
3) Paul E. Slutzky
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Greene County Bancorp, Inc.
Business Meeting (Continued)
Proposal #2:
Ratification of the Appointment of:
Bonadio & Co, LLP
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8
Greene County Bancorp, Inc.
Business Meeting (Continued)
Proposal #3:
Consideration and action upon a
non-binding advisory resolution regarding
compensation of the Company’s named
executive officers.
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9
Greene County Bancorp, Inc.
Business Meeting (Continued)
Proposal #4:
Consideration and action upon the
frequency of the Company to include an
advisory vote regarding compensation of the
Company’s named executive officers in its
proxy statement for shareholders
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Greene County Bancorp, Inc.
Donald E. Gibson
President, Chief Executive Officer &
Director
Annual Report To Shareholders
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11
Safe Harbor Statement
This presentation contains forward-looking information for Greene County Bancorp, Inc.
Such information constitutes forward-looking statements (within the meaning of the Private
Securities Litigation Reform Act of 1995),
which involve significant risks and uncertainties.
Actual results may differ materially from the results
discussed in these forward-looking statements.
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Greene County Bancorp, Inc.
Michelle Plummer, CPA, CGMA
Executive Vice President
Chief Operating Officer
Chief Financial Officer & Director
Financial Highlights
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Greene County Bancorp, Inc. Assets
20152016
20172018
2019$600
$800
$1,000
$1,200
$1,400
$739
$869
$982
$1,151
$1,269
Mil
lio
ns
13
June 2015 – June 2019
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Greene County Bancorp, Inc.
Total Loans
20152016
20172018
2019$225$275$325$375$425$475$525$575$625$675$725$775$825
$443
$523
$624
$704
$785
Mil
lio
ns
14
June 2015 – June 2019
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Greene County Bancorp, Inc. Consolidated Deposits
20152016
20172018
2019$400
$600
$800
$1,000
$1,200
$623
$739
$860
$1,025
$1,121
Mil
lio
ns
15
June 2015 – June 2019
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Greene County Bancorp, Inc. Commercial Bank Assets
20152016
20172018
2019$150
$250
$350
$450
$550
$222
$285
$321
$427
$501
Mil
lio
ns
16
June 2015 – June 2019
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Greene County Bancorp, Inc. Net Income
20152016
20172018
2019$5,000
$10,000
$15,000
$20,000
$7,189
$8,963
$11,187
$14,408
$17,484
17
June 2015 – June 2019
Th
ou
san
ds
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Greene County Bancorp, Inc. Stockholder’s Equity
20152016
20172018
2019$50
$60
$70
$80
$90
$100
$67
$74
$84
$96 $112
Mil
lio
ns
18
June 2015 – June 2019
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20152016
20172018
2019$0.50
$1.00
$1.50
$2.00
$2.50
$0.85
$1.06
$1.32
$1.69
$2.05
Greene County Bancorp, Inc. Earnings Per Share
June 2015 – June 2019 19
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20152016
20172018
2019$5.50
$7.50
$9.50
$11.50
$13.50
$7.92
$8.77
$9.82
$11.27
$13.16
Greene County Bancorp, Inc. Book Value
June 2015 – June 2019 20
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Greene County Bancorp, Inc. Return on Investment
21
80,000
330,000
580,000
830,000
1,080,000
1,330,000
1,580,000
1,830,000
2,080,000
2,330,000
2,580,000Investment of $100,000 at 1998 IPO
Source: Data per SNL Financial. Return on investment from 12/30/1998 to 06/30/2019.
Note: Return on investment calculations assumes the reinvestment of dividends.
$2,264,610
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0%250%500%750%
1000%1250%1500%1750%2000%2250%2500%
Key Bank 7%
Trustco Bank 80%
GCBC 2165%
Greene County Bancorp, Inc. Return on Investment
December 1998 – June 2019
22
Source: Data per SNL Financial. Return on investment from 12/30/1998 to 06/30/2019.
Note: Return on investment calculations assumes the reinvestment of dividends.
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Greene County Bancorp, Inc.
Stephen E. Nelson
Executive Vice President &
Chief Lending Officer
Lending Review
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Greene County Bancorp, Inc. Nonperforming Loans to Loans v. Peer Group
2015 2016 2017 2018 20190.00%
1.50%
3.00%
4.50%
1.98%
1.16%
1.71%
0.74%
1.59%
0.68%
1.37%
0.64%
1.13%
0.63%
TBGC
Peer Group
June 2015 – June 2019 Peer Group as provided by FinPro Capital Advisors, Inc.
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Greene County Bancorp, Inc. Allowance for Loan Losses to Total Loans
June 2015 – June 2019
20152016
20172018
20190.00%
1.00%
2.00%
3.00%
1.81% 1.79% 1.74% 1.68% 1.65%
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Greene County Bancorp, Inc. Allowance for loan losses to non-performing loans
50.00%
150.00%
250.00%
350.00%
450.00%
2015 2016 2017 2018 2019
173%
279% 303%
336% 363%
26
June 2015 – June 2019
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Greene County Bancorp, Inc.
Total Loans
20152016
20172018
2019$225$275$325$375$425$475$525$575$625$675$725$775$825
$443
$523
$624
$704
$785
Mil
lio
ns
27
June 2015 – June 2019
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Greene County Bancorp, Inc. Total Loans
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019$100
$200
$300
$400
$500
$600
$700
$800
$296 $301 $327
$359 $399
$443
$523
$624 $704
$785
Mil
lio
ns
28
June 2010 – June 2019
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Greene County Bancorp, Inc.
29
New Lending Opportunities
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Greene County Bancorp, Inc. Commercial Loan Growth
June 2015 – June 2019
2015 2016 2017 2018 2019
$0
$50
$100
$150
$200
$250
$300
$350
$400
$155
$40
$216
$49
$295
$60
$338
$85
$390
$104 Mil
lio
ns
Commercial
Mortgages M
Commercial
Loans L
M
M
M
M
M
L
L L L
L
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Greene County Bancorp, Inc. Yield on Loans
31
June 2015 – June 2019
2015 2016 2017 2018 20190.00%
2.00%
4.00%
6.00%
8.00%
4.66% 4.56% 4.40% 4.43% 4.63%
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27%
7% 1%
65% 49%
13% 1%
37%
Commercial
C & I
Consumer
Residential
32
Greene County Bancorp, Inc. Loan Mix
June 30, 2011 June 30, 2019
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Greene County Bancorp, Inc.
“Don’t worry about being successful, but work toward
being significant and the success will naturally follow.”
- Oprah Winfrey -
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Greene County Bancorp, Inc.
34
Perry Lasher
Senior Vice President,
Director of Commercial Lending
“130 Years of Bank History”
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Greene County Bancorp, Inc.
Donald E. Gibson
President, Chief Executive Officer &
Director
2018 KBW Bank Honor Roll
The American Banker Top 200 Community Banks List
Bauer Financial, Inc. – 5 Star Superior Rating
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Our New Kinderhook Branch!
Greene County Bancorp, Inc.
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The Grand Opening!
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The Ribbon Cutting!
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Kinderhook Community Loans
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Greene County Bancorp, Inc.
Questions?
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Greene County Bancorp, Inc.
Inspector of Elections Report
Bradley Cummings, CPA
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Greene County Bancorp, Inc.
Banking At Its Best!
Directly After This Meeting
Tours
will be available for the following:
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Greene County Bancorp, Inc.
Tour Locations
Administrative Center @ 302 Main Street, Catskill
Operations Center @ 288 Main Street, Catskill
Main Office @ 425 Main Street, Catskill
Lending Center @ 341 Main Street, Catskill
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Greene County Bancorp, Inc.
Banking At Its Best!
- Thank You for Coming! -