Bryan Bank & Trust in Richmond Hill, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bryan Bank & Trust in Richmond Hill, Georgia (GA)
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Bryan Bank & Trust routing number info

Bryan Bank & Trust - Overview

  • General
  • FDIC 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
    WWW: http://www.bryanbank.com
    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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 34Total employees (full-time equivalent)
  • $239,631Total assets
  • $25,334Cash and due from depository institutions
  • $22,172Interest-bearing balances
  • $14,786Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $179,533Net loans & leases
  • $4,806Loan loss allowance
  • $0Trading account assets
  • $4,728Bank premises and fixed assets
  • $8,327Other real estate owned
  • $0Goodwill and other intangibles
  • $239,631Life insurance assets
  • $6,923All other assets
  • $218,999Total liabilities and capital
  • $215,520Total liabilities
  • $210,139Total deposits
  • $215,520Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $479Subordinated debt
  • $20,632All other liabilities
  • $20,632Total equity capital
  • $20,632Total bank equity capital
  • $0Perpetual preferred stock
  • $1,875Common stock
  • $2,875Surplus
  • $15,882Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,761Income earned, not collected on loans
  • $0Earning assets
  • $748Long-term assets (5+ years)
  • $216,491Average Assets, year-to-date
  • $29,871Average Assets, quarterly
  • $248,158Volatile liabilities
  • $240,585Insider loans
  • $179,444FHLB advances
  • $242,272Loans and leases held for sale
  • $1,992Unused loan commitments
  • $1,992Tier 1 (core) risk-based capital
  • $19,416Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,811Restructured Loans and leases
  • $9,561Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,845Total interest income
  • $2,088Total interest expense
  • $9,757Net interest income
  • $6,440Provision for loan and lease losses
  • $506Total noninterest income
  • $0Fiduciary activities
  • $513Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$7Additional noninterest income
  • $5,649Total noninterest expense
  • $1,840Salaries and employee benefits
  • $354Premises and equipment expense
  • $3,455Additional noninterest expense
  • -$1,826Pre-tax net operating income
  • $163Securities gains (losses)
  • -$785Applicable income taxes
  • -$878Income before extraordinary items
  • $0Extraordinary gains - net
  • -$878Net income attributable to bank
  • $0Net charge-offs
  • -$878Cash dividends
  • $7,091Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • -0.40%Net operating income to assets
  • -0.35%Return on assets (ROA)
  • -0.67%Pretax return on assets
  • -4.21%Return on equity (ROE)
  • -4.21%Retained earnings to average equity (YTD only)
  • 3.59%Net charge-offs to loans
  • 90.82%Credit loss provision to net charge-offs
  • 0.65%Efficiency ratio
  • 55,042Assets per employee
  • 7.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.61%Loss allowance to noncurrent loans
  • 83.42%Noncurrent assets plus other real estate owned to assets
  • 5.88%Noncurrent loans to loans
  • 3.13%Net loans and leases to deposits
  • 83.30%Net loans and leases to core deposits
  • 94.86%Equity capital to assets
  • 8.61%Core capital (leverage) ratio
  • 8.01%Tier 1 risk-based capital ratio
  • 10.82%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $248,158Average earning assets
  • $20,852Average equity
  • $224,746Average loans

List of branches

  • 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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