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Bryan Bank & Trust

Richmond Hill, GA · Cert 32744

FDIC

Q3 2012

$214.8MAssets
$166.5MLoans
$193.0MDeposits
$17.9MEquity
Loan mix
89%RE $123.3M10%C&I $13.3M1%Consumer $1.8MQ3 2011Q3 2012
Deposit mix
97%Interest-bearing $187.4M3%Noninterest $5.6MQ3 2011Q3 2012

NIM

5.12%Q3 ’104.99%Q3 ’114.72%Q3 ’12+4%0%

Non-interest income vs. expense

2.15%Q3 ’102.35%Q3 ’112.86%Q3 ’12+26%+46%

Executive Summary

  • Earnings: ROA of -1.60%, down 104 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.45%.
  • Funding: loans stand at 86.30% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.60%-104 bps YoY

Net Interest Margin (YTD, annualized)

4.08%0 bps YoY

Efficiency Ratio (YTD, annualized)

75.12%+2,042 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.56%-0.35%-0.46%0.00%-1.60%-104 bps
Return on Equity-6.72%-4.21%-5.34%0.05%-18.65%-1,193 bps
Net Interest Margin4.08%4.01%4.07%3.98%4.08%0 bps
Efficiency Ratio54.70%55.04%66.05%65.55%75.12%+2,042 bps
Non-Interest Burden2.14%2.11%2.79%2.65%3.13%+99 bps
Growth
Asset Growth (YoY)-6.82%-7.64%-5.31%-4.85%-11.08%-426 bps
Loan Growth (YoY)-10.79%-10.73%-11.12%-12.58%-13.39%-261 bps
Deposit Growth (YoY)-6.53%-7.33%-5.42%-3.89%-11.28%-475 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.47%3.85%0.11%0.34%1.45%-102 bps
Allowance / Loans3.97%2.61%3.36%3.54%3.03%-94 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.39%12.09%11.60%12.26%12.36%+97 bps
Equity / Assets8.49%8.61%8.48%8.82%8.33%-15 bps
Liquidity & Funding
Loans / Deposits88.40%85.53%83.63%83.68%86.30%-210 bps
Liquid Assets / Assets6.98%9.25%12.20%11.36%9.42%+244 bps
CRE / Total Capitaln/an/an/an/an/an/an/a