Bryan Bank & Trust

Bryan Bank & Trust is headquartered in Richmond Hill and is the 71^st largest bank in the state of Georgia. It is also the 2,662^nd largest bank in the nation. It was established in 1989 and as of December of 2011, it had grown to 34 employees at 2 locations. Bryan Bank & Trust has a 2-star health rating.

Bryan Bank & Trust Routing Number: 061204463

Data for Q4 2011

Institution Statistics Bryan Bank & Trust FDIC Certificate # 32744 BankRate Report View Year Established 1989 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $239.63 million Loans $179.53 million Deposits $215.52 million Equity Capital $20.63 million Loan Loss Allowance $4.81 million Unbacked Noncurrent Loans $5.76 million Real Estate Owned $8.33 million Historic Data - December 2010 Assets $259.47 million Equity Capital $21.48 million Loan Loss Allowance $5.46 million Unbacked Noncurrent Loans $4.96 million Real Estate Owned $5.30 million Profit Margin - Quarterly Net Interest Margin 4.34% Return on Assets -0.35% Return on Equity -4.21% Interest Income $11.85 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bryan Bank & Trust had $14.09 million in non-current loans and owned real-estate with $25.44 million in equity and loan loss allowances on hand to cover it. This gives Bryan Bank & Trust a Texas Ratio of 55.38% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bryan Bank & Trust increased slightly from 38.08% as of December 31, 2010 to 55.38% as of December 31, 2011, resulting in a negative change of 45.44%. This indicates that the balance sheet and financial strength for Bryan Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Bryan Bank & Trust has decreased its total deposits by -$17.06 million, resulting in -7.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bryan Bank & Trust has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bryan Bank & Trust has $239.63 million in assets with $25.44 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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