# BRYAN BANK&TRUST
RICHMOND HILL, GA · FDIC certificate 32744 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $214.8M | |
| Deposits | $193.0M | |
| Loans and leases | $166.5M | |
| Total equity | $17.9M | |
| Loans / deposits | 83.68% (p78 of band) | 69.20% |
| Liquid assets / assets | 18.54% (p13 of band) | |
| Uninsured deposits / deposits | 17.87% (p87 of band) | 8.50% |
| Brokered deposits | 6.34% | |
| Wholesale funding | 7.74% (p78 of band) | |
| FHLB advances / assets | 1.40% | |
| Tier 1 leverage | 7.83% (p10 of band) | 10.13% |
| Unrealized securities loss / equity | 2.39% (p38 of band) | 3.81% |
| AOCI / equity | 0.27% (p48 of band) | |
| ROA (annualized) | -1.60% (p3 of band) | 0.80% |
| Net interest margin | 4.34% (p79 of band) | 3.77% |
| Efficiency ratio | 75.12% (p56 of band) | |
| Noncurrent loans | 4.19% (p85 of band) | 1.27% |
| Net charge-offs (annualized) | 1.04% (p94 of band) | |
| Reserve coverage of noncurrent | 72.31% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 194.41% (p99 of band) | |
| Auto loans | $456,000 (0.27% of loans; DQ 7.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 3 | losing money, charge-offs p90 |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | reserve under noncurrent |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90, reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent | losing money, deposits shrinking, assets shrinking |
| 2012-09 | 7 | losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32744 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "32744", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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