Bryan Bank & Trust in Richmond Hill, Georgia (GA)

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Bryan Bank & Trust
GeneralFDIC Certificate #: 32744
Status: Active
Federal Reserve ID: 1421040
Bank Holding Company (Regulatory Top Holder): Savannah Bancorp, Inc., The (RSSDID: 1493560, Location: Savannah, GA)
Date Established: December 27, 1989
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 12228
FDIC's unique #: 45610
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: December 27, 1989
Last Structure Change Effective Date: March 07, 2011
Last Structure Change Process Date: June 14, 2011
Last Data Update: June 14, 2011
Data Source Date: April 05, 2012
LocationAddress: 9971 Ford Avenue, Richmond Hill, GA 31324
County: Bryan
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Savannah, GA (#7520)
Combined Statistical Area (CSA): Savannah-Hinesville-Fort Stewart, GA (#496)
Core Based Statistical Area (CBSA): Savannah, GA (#42340)
CBSA Metro Statistical Area: Savannah, GA (#42340)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $239.6 mil
Equity capital: $20.6 mil
Deposits held in domestic offices: $215.5 mil
Return on assets (ROA): -0.35% (-$0.8 mil)
Quarterly return on assets: 0.29% ($0.7 mil)
Return on Equity (ROE): -4.21% (-$0.9 mil)
Quarterly return on equity: 3.42% ($0.7 mil)
Net income: -$0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: -0.67% (-$1,605.5 mil)
Quarterly Pretax return on assets: 0.65% ($1,557.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)34
Total assets$239,631
Cash and due from depository institutions$25,334
Interest-bearing balances$22,172
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$179,533
Loan loss allowance $4,806
Trading account assets$0
Bank premises and fixed assets$4,728
Other real estate owned$8,327
Goodwill and other intangibles$0
All other assets$6,923
Life insurance assets$239,631
Total liabilities and capital$218,999
Total liabilities$215,520
Total deposits$210,139
Interest-bearing deposits$215,520
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,000
Other borrowed funds $0
Subordinated debt $479
All other liabilities $20,632
Total equity capital$20,632
Total bank equity capital$20,632
Perpetual preferred stock$0
Common stock$1,875
Undivided profits $15,882
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,761
Earning assets $0
Long-term assets (5+ years) $748
Average Assets, year-to-date $216,491
Average Assets, quarterly $29,871
Volatile liabilities $248,158
Insider loans $240,585
FHLB advances $179,444
Loans and leases held for sale $242,272
Unused loan commitments $1,992
Tier 1 (core) risk-based capital $1,992
Tier 2 risk-based capital $19,416
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $12,811
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,845
Total interest expense $2,088
Net interest income $9,757
Provision for loan and lease losses $6,440
Total noninterest income $506
Fiduciary activities $0
Service charges on deposit accounts $513
Trading account gains & fees $0
Additional noninterest income -$7
Total noninterest expense $5,649
Salaries and employee benefits $1,840
Premises and equipment expense $354
Additional noninterest expense $3,455
Pre-tax net operating income -$1,826
Securities gains (losses) $163
Applicable income taxes -$785
Income before extraordinary items -$878
Extraordinary gains - net $0
Net income attributable to bank -$878
Net charge-offs $0
Cash dividends -$878
Sale, conversion, retirement of capital stock, net $7,091
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.27%
Cost of funding earning assets 0.93%
Net interest margin 4.34%
Noninterest income to earning assets 0.23%
Noninterest expense to earning assets 2.51%
Net operating income to assets -0.40%
Return on assets (ROA) -0.35%
Pretax return on assets -0.67%
Return on equity (ROE) -4.21%
Retained earnings to average equity (YTD only) -4.21%
Net charge-offs to loans 3.59%
Credit loss provision to net charge-offs 90.82%
Efficiency ratio0.65%
Assets per employee$55,042
Cash dividends to net income (YTD only)7.05%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.61%
Noncurrent assets plus other real estate owned to assets 83.42%
Noncurrent loans to loans 5.88%
Net loans and leases to deposits3.13%
Net loans and leases to core deposits 83.30%
Equity capital to assets 94.86%
Core capital (leverage) ratio 8.61%
Tier 1 risk-based capital ratio 8.01%
Total risk-based capital ratio 10.82%
Average assets$12
Average earning assets$248,158
Average equity $20,852
Average loans $224,746
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2 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
045610Bryan Bank & Trust9971 Ford Avenue, Richmond Hill, GA 31324December 27, 1989Full Service Brick and Mortar
1501261Hwy 17 Branch3700 Us Highway 17, Richmond Hill, GA 31324July 31, 2008Full Service Brick and Mortar
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