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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

5.00%Q3 ’104.88%Q3 ’114.47%Q3 ’12+5%-4%

Non-interest income vs. expense

2.13%Q3 ’102.30%Q3 ’113.28%Q3 ’12+3%+115%

Executive Summary

  • Earnings: ROA of -4.97%, down 581 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.62%.
  • Funding: loans stand at 86.30% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

-4.97%-581 bps YoY

Net Interest Margin (quarter, annualized)

3.91%-17 bps YoY

Efficiency Ratio (quarter, annualized)

98.30%+4,815 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.84%0.29%-0.46%0.47%-4.97%-581 bps
Return on Equity10.11%3.42%-5.34%5.44%-57.83%-6,794 bps
Net Interest Margin4.07%3.88%4.07%3.84%3.91%-17 bps
Efficiency Ratio50.14%56.11%66.05%65.06%98.30%+4,815 bps
Non-Interest Burden1.79%2.09%2.79%2.47%3.85%+206 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 / Loans2.58%7.67%0.11%0.57%3.62%+104 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