Bryn Mawr Bank (BMTC) 8-K Bryn Mawr Bank Corporation Reports Strong Second Quarter Earnings with Wealth Management Services Revenue up 30.2% From Same Period Last Year

Second

Quarter 2011

Update

June 30, 2011

Bryn Mawr Bank

Corporation

NASDAQ: BMTC

Strong -

Stable -

Secure

Exhibit 99.3

1

Safe Harbor

This presentation contains statements which, to the extent that they are not

recitations of historical fact may constitute forward-looking statements for purposes of

the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as

amended.

Please see the section titled Safe Harbor at the end of the presentation for more

information regarding these types of statements.

The

information

contained

in

this

presentation

is

correct

only

as

of

July

28,

2011

Our

business, financial condition, results of operations and prospects may have changed

since that date, and we do not undertake to update such information.

.

2

Bryn Mawr Bank Corporation

Profile

Founded in 1889 –

121 year history

A unique business model with a traditional commercial bank ($1.7

billion)

and a trust company ($4.8 billion) under one roof at June 30, 2011

Wholly

owned

subsidiary

–

The

Bryn

Mawr

Trust

Company

Largest community bank in Philadelphia’s affluent western suburbs

Celebrated 25 years on the NASDAQ in August 2010

3

Southeast PA Footprint

•

17 BMTC Full Service Branch Locations

4

Investment

Considerations

Quarterly dividend of $0.15 per share

A great brand & franchise

Solid financial fundamentals and well capitalized

Outstanding target market demographics

New business initiatives driving growth

$4.8 billion wealth management business that provides a significant

source of non-interest income

5

Six

Month

Performance

at

June

30,

2011

Closing price on December 31, 2010:

$17.45

Closing price on June 30, 2011:

$20.25

2011 dividends declared per share:

$0.30

Security or Index

YTD 2011 Return

Dividend Yield**

BMTC*

17.71%

2.86%

NASDAQ Bank Index*

-3.88%

1.92%

KBW Bank Index*

-6.76%

1.43%

*Source: Bloomberg

**Trailing 12-month period

6

Growth Initiatives

7

2011 Strategies

3-5-3 Strategic Plan

$3

billion

in

banking

assets

-

$5

billion

in

wealth

assets

–

3

years

(Spring 2013)

Organic

growth

–

opportunistic

expansion

Inorganic growth: Additional acquisitions accretive to earnings in

first 12 months (excluding merger costs)

The Corporation intends to implement or continuing implementing the following

strategic initiatives over the next few years:

8

2011 Strategies -

continued

Focus on the net interest margin

Continued emphasis on strong credit quality

Raise capital as needed

Lower the efficiency ratio

Complete an additional bank and/or wealth acquisition

9

Financial Review

10

Financial Highlights

2

nd

Qtr

2011

1

st

Qtr

2011

4

th

Qtr

2010

3

rd

Qtr

2010

2

nd

Qtr

2010

Portfolio Loans & Leases

($ in millions)

$1,253

$1,219

$1,197

$1,176

$899

Total Deposits

($ in millions)

$1,337

$1,316

$1,341

$1,260

$953

Total Wealth Assets

($ in billions)

$4.83

$3.60

$3.41

$3.29

$3.10

Tangible Book Value Per Share

$10.91

$11.65

$11.21

$11.03

$11.62

Tangible Common Equity Ratio

8.31%

8.65%

8.01%

7.95%

9.66%*

*Tangible common equity ratio at 6/30/2010 includes the net proceeds of the $24.7 million registered direct stock

offering and excludes the effect of the 7/1/2010 FKF merger.

11

Financial Highlights -

continued

2

nd

Qtr

2011

1

st

Qtr

2011

4

th

Qtr

2010

3

rd

Qtr

2010

2

nd

Qtr

2010

Net Income (Loss)

($ in millions)

$4.81

$4.72

$5.57

$(1.02)*

$2.41

Dividends Declared

$0.15

$0.15

$0.14

$0.14

$0.14

Diluted Earnings (Loss) Per

Common Share

$0.38

$0.38

$0.46

$(0.08)

$0.25

Market Capitalization

($ in millions)

$262.1

$257.9

$212.8

$210.0

$177.0

Efficiency Ratio

62%

63%

60%

89%

71%

* Includes approximately $4.3 million of pretax merger and due diligence related expenses.

12

Quarterly

Net

Interest

Margin

On a tax-equivalent basis

13

Quarterly Non-Interest Income

(As a % of Total Revenue)

14

Capital Considerations

Maintains a “well capitalized”

capital position

Active Dividend Reinvestment and Stock Purchase Plan with Request for

Waiver program

Selectively

add

capital

as

needed

to

maintain

capital

levels

and

fund

asset

growth and acquisitions

15

Capital Position -

Bryn Mawr Bank Corporation

6/30/2011

3/31/2011

12/31/2010

Tier I

11.55%

12.07%

11.30%

Total (Tier II)

14.05%

14.52%

13.71%

Tier I Leverage

9.36%

9.80%

8.85%

Tangible Common

Equity

8.31%

8.65%

8.01%

16

Wealth Division Review

17

Wealth Assets Under Management, Administration,

Supervision and Brokerage

($ in billions)

Excludes

Community

Bank’s

assets

from

2006

-

2007

$2.18

$2.28

$2.15

$2.87

$3.41

$4.83

$1.2

$2.2

$3.2

$4.2

$5.2

2006

2007

2008

2009

2010

6/30/2011

18

Wealth Management Fees

($ in millions)

Excludes

Community

Bank’s

fees

from

2006

-

2007

$12.4

$13.5

$13.8

$14.2

$15.5

$9.3

$2.0

$6.0

$10.0

$14.0

$18.0

2006

2007

2008

2009

2010

6/30/2011

19

Acquisition of Private Wealth Management

Group of Hershey Trust Company

Completed May 27, 2011

Total purchase price of $18.41 million

$8.15

million

cash

at

closing,

$6.7

million

unregistered

shares,

$3.6

million

in escrow for contingent payments

Added approximately $1.1 billion in assets under management to BMTC

Wealth Division and 500 relationships

Revenue of $776 thousand recorded from May 27, 2011 through June

30,

2011

20

Wealth Division Highlights

Bryn Mawr Asset Management

“Lift out”

strategy

Four investment advisers hired

Approximately $238 million in assets as of June 30, 2011

Additional opportunities being evaluated

Institutional Trust and Escrow Services

Strong pipeline of new business

21

BMTC of Delaware

The Delaware Advantage

Directed trusts

$556 million in assets at June 30, 2011

New location –

Greenville, DE

Lau Associates

$627 million in assets at June 30, 2011

New location –

Greenville, DE

Wealth Division Highlights -

continued

22

Credit Review

23

Portfolio Loan & Lease Growth

($ in millions)

2010 includes the addition of the First Keystone loan portfolio.

$681

$803

$900

$886

$1,197

$1,253

$200

$400

$600

$800

$1,000

$1,200

$1,400

2006

2007

2008

2009

2010

6/30/2011

24

Loan Composition at June 30, 2011

($ in millions)

$404

$258

$222

$280

$56

$33

Commercial Mortgages

Commercial & Industrial

Home Equity Lines & Loans

& Consumer Loans

Residential Mortgages

Construction

Leases

25

Asset Quality Data –

as a percentage

2

nd

Qtr

2011

1

st

Qtr

2011

4

th

Qtr

2010

3

rd

Qtr

2010

2

nd

Qtr

2010

Non-Performing Loans as a

% of Portfolio Loans and

Leases

1.29%

0.88%

0.79%

0.82%

1.11%

Allowance for Loan and

Lease Losses

0.90%*

0.87%*

0.86%*

0.88%*

1.09%

Allowance for Originated

Loans and Leases**

1.10%

1.08%

1.08%

1.12%

1.09%

Non-Performing Assets as a

% of Assets

0.97%

0.77%

0.69%

0.63%

0.93%

*Includes the acquired FKF loan portfolio, recorded at fair value, without its previously recorded allowance for

loan and lease loss.

**The presentation of this non-GAAP financial measure provides useful supplemental information that is essential

to a proper understanding of the financial condition of the Corporation. This non-GAAP measure should not be

viewed as a substitute for the financial measures in accordance with GAAP. See slide 34 for a reconcilement.

26

Asset Quality Data –

in dollars

($ in millions)

2

nd

Qtr

2011

1

st

Qtr

2011

4

th

Qtr

2010

3

rd

Qtr

2010

2

nd

Qtr

2010

Provision for Loan and

Lease Losses

$1,919

$1,285

$1,511

$4,236

$994

Allowance for Loan and

Lease Losses

$11,341

$10,648

$10,275

$10,297

$9,841

Net Charge-Offs

$1,226

$912

$1,533

$3,780

$893

Nonaccrual Loans and

Leases

$16,128

$10,776

$9,497

$8,709

$9,072

Total Non-Performing

Assets

$16,939

$13,122

$12,034

$10,781

$11,934

27

Small Ticket National Leasing Business

Leases outstanding: $33 million at June 30, 2011

Average yield of 10.2% at June 30, 2011

Delinquency rate has fallen 174 basis points over the past 12 months to

0.89% at June 30, 2011

Top 6 States are 53% of outstanding balance: CA, NY, NJ, TX, PA,

FL

28

Summary

Outstanding franchise in a stable market

Focus on Wealth Services, Business Banking and Private Banking

Investing in growth opportunities today for earnings growth

tomorrow

Sound business strategy, strong asset quality, well capitalized

and solid risk management procedures serve as a foundation for

potential strategic expansion

29

Thank You

Joseph Keefer, EVP

610-581-4869

jkeefer@bmtc.com

Duncan Smith, CFO

610-526 –2466

jdsmith@bmtc.com

Ted Peters, Chairman

610-581-4800

tpeters@bmtc.com

Frank Leto, EVP

610-581-4730

fleto@bmtc.com

Aaron Strenkoski, VP –

Investments / Shareholder Relations –

610-581-4822 –

astrenkoski@bmtc.com

30

This presentation contains statements which, to the extent that they are not recitations of

historical fact may constitute forward-looking statements for purposes of the Securities Act of

1933, as amended, and the Securities Exchange Act of 1934, as amended. Such forward-looking

statements may include financial and other projections as well as statements regarding Bryn

Mawr Bank Corporation’s (the “Corporation”) that may include future plans, objectives,

performance, revenues, growth, profits, operating expenses or the Corporation’s underlying

assumptions. The words “may”, “would”, “should”, “could”, “will”, “likely”, “possibly”, “expect,”

“anticipate,”

“intend”, “estimate”, “target”, “potentially”, “probably”, “outlook”, “predict”,

“contemplate”,

“continue”,

“plan”,

“forecast”,

“project”

and

“believe”

or

other

similar

words,

phrases

or concepts may identify forward-looking statements. Persons reading or present at this

presentation are cautioned that such statements are only predictions, and that the Corporation’s

actual future results or performance may be materially different.

Such forward-looking statements involve known and unknown risks and uncertainties. A number

of factors, many of which are beyond the Corporation’s control, could cause our actual results,

events or developments, or industry results, to be materially different from any future results,

events

or

developments

expressed,

implied

or

anticipated

by

such

forward-looking

statements,

and so our business and financial condition and results of operations could be materially and

adversely affected.

Safe Harbor

31

Safe Harbor (continued)

Such factors include, among others, our need for capital, our ability to control operating costs and

expenses, and to manage loan and lease delinquency rates; the credit risks of lending activities

and overall quality of the composition of our loan, lease and securities portfolio; the impact of

economic conditions, consumer and business spending habits, and real estate market conditions

on

our

business

and

in

our

market

area;

changes

in

the

levels

of

general

interest

rates,

deposit

interest rates, or net interest margin and funding sources; changes in banking regulations and

policies and the possibility that any banking agency approvals we might require for certain

activities will not be obtained in a timely manner or at all or will be conditioned in a manner that

would impair our ability to implement our business plans; changes in accounting policies and

practices; the inability of key third-party providers to perform their obligations to us; our ability to

attract and retain key personnel; competition in our marketplace; war or terrorist activities; material

differences in the actual financial results, cost savings and revenue enhancements associated

with

our

acquisition

of

First

Keystone

Financial,

Inc.

and

First

Keystone

Bank

and

acquisition

of

the Private Wealth Management Group of the Hershey Trust Company; and other factors as

described in our securities filings. All forward-looking statements and information made herein are

based

on

Management’s

current

beliefs

and

assumptions

as

of

July

28,

2011

and

speak

only

as

of that date. The Corporation does not undertake to update forward-looking statements.

32

Safe Harbor (continued)

For a complete discussion of the assumptions, risks and uncertainties related to our business, you

are encouraged to review our filings with the Securities and Exchange Commission, including our

most recent annual report on Form 10-K, as well as any changes in risk factors that we may

identify in our quarterly or other reports filed with the SEC.

This

presentation

is

for

discussion

purposes

only,

and

shall

not

constitute

any

offer

to

sell

or

the

solicitation

of

an

offer

to

buy

any

security,

nor

is

it

intended

to

give

rise

to

any

legal

relationship

between

the

Corporation

and

you

or

any

other

person,

nor

is

it

a

recommendation

to

buy

any

securities or enter into any transaction with the Corporation.

The information contained herein is preliminary and material changes to such information may be

made at any time. If any offer of securities is made, it shall be made pursuant to a definitive

offering memorandum or prospectus (“Offering Memorandum”) prepared by or on behalf of the

Corporation, which would contain material information not contained herein and which shall

supersede, amend and supplement this information in its entirety.  Any decision to invest in the

Corporation’s securities should be made after reviewing an Offering Memorandum, conducting

such investigations as the investor deems necessary or appropriate, and consulting the investor’s

own legal, accounting, tax, and other advisors in order to make an independent determination of

the suitability and consequences of an investment in such securities.

33

Safe Harbor (continued)

No offer to purchase securities of the Corporation will be made or accepted prior to receipt by an

investor of an Offering Memorandum and relevant subscription documentation, all of which must

be reviewed together with the Corporation’s then-current financial statements and, with respect to

the subscription documentation, completed and returned to the Corporation in its entirety.  Unless

purchasing in an offering of securities registered pursuant to the Securities Act of 1933, as

amended,

all

investors

must

be

“accredited

investors”

as

defined

in

the

securities

laws

of

the

United States before they can invest in the Corporation.

34

Non-GAAP Allowance Reconcilement

2011

2011

2010

2010

2010

2Q

1Q

4Q

3Q

2Q

$ in thousands

Allowance for loan and

lease losses (GAAP )

$        11,341

$       10,648

$      10,275

$      10,297

$       9,841

Less: allowance for

loan and lease losses

related to acquired

loans

55

28

-

-

-

Allowance for loan and

lease losses related to

originated loans  and

leases (non-GAAP)

$        11,286

$       10,620

$      10,275

$      10,297

$       9,841

Total portfolio loans and

leases (GAAP )

$   1,253,448

$  1,219,449

$ 1,196,717

$  1,176,438

$   899,290

Less: acquired loans

223,459

233,435

244,833

259,982

-

Total originated loans

and leases (non-GAAP)

$   1,029,989

$     986,014

$    951,884

$     916,456

$   899,290

Allowance for loan and

lease losses -

GAAP

0.90%

0.87%

0.86%

0.88%

1.09%

Allowance for loan and

lease losses  (non-

GAAP)

1.10%

1.08%

1.08%

1.12%

1.09%