 The Bryn Mawr Trust Company Third Quarter 2014 Update September 30, 2014 (October 24, 2014) Bryn Mawr Bank Corporation NASDAQ: BMTC Exhibit 99.1 |
 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 beginning on slide 28 for more information regarding these types of statements. The information contained in this presentation is correct only as of October 24, 2014. 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 – 125 year history A unique business model with a traditional commercial bank ($2.1 billion) and a trust company ($7.6 billion) under one roof as of September 30, 2014 Wholly-owned subsidiary – The Bryn Mawr Trust Company Largest community bank in Philadelphia’s affluent western suburbs Three wealth acquisitions and two bank acquisitions completed since 2008 Pending acquisition of Continental Bank Holdings, Inc. with approximately $700 million in assets is expected to close January 1, 2015 |
 3 Southeast PA / DE Branch Footprint BMTC Continental *See Slide 35 • Pro Forma Branch Map * • 19 Full-Service Branch Locations • 7 Limited-Hour Retirement Community Branch Locations • 10 Full-Service Branch Locations* • Closing expected on January 1, 2015 |
 4 Investment Considerations Quarterly dividend of $0.19 per share (Increased 5.6% from $0.18 per share on July 24, 2014) Profitability Ratios: Profitability Ratios, Excluding Tax-Effected Due Diligence and Merger- Related Expenses (non-GAAP measures)*: Full Year 2013 2 Qtr 2014 3 Qtr 2014 Return on average assets (“ROAA”) 1.23% 1.45% 1.21% Return on average equity (“ROAE”) 11.53% 12.80% 10.58% Return on average tangible equity (“ROATE”) 15.43% 16.31% 13.35% Full Year 2013 2 Qtr 2014 3 Qtr 2014 ROAA, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure)* 1.29% 1.50% 1.31% ROAE, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure)* 12.11% 13.21% 11.40% ROATE, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure)* 16.20% 16.84% 14.39% * See Non-GAAP Measures disclosure beginning on slide 32 nd rd nd rd |
 5 Net Income and Diluted Earnings Per Share (EPS) (for the quarter ended) ($ in thousands) |
 6 3 Quarter 2014 BMTC Stock Performance Closing price on June 30, 2014: $29.12 Closing price on September 30, 2014: $28.33 Dividends declared per share – 9 months 2014: $0.55 Security or Index Year to Date 2014 Total Return 3 Year Total Return** Trailing 12-Month Dividend Yield BMTC* -4.30% 86.16% 2.58% NASDAQ Bank Index* -3.21% 90.94% 2.09% KBW Regional Bank Index* -6.65% 98.21% 2.28% *Source: Bloomberg ** 3 Year Total Return -09/30/2011 to 09/30/2014 rd |
 7 Consistent BMTC Annual Dividend Year Diluted Earnings Per Share Annual Dividend Dividend Yield Year- End Dividend Payout Ratio 2010 $0.85 $0.56 3.21% 65.9% 2011 $1.54 $0.60 3.08% 39.0% 2012 $1.60 $0.64 2.87% 40.0% 2013 $1.80 $0.69 2.29% 38.3% YTD 9/30/2014 $1.50 $0.55 -- 36.7% |
 Growth Initiatives ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* |
 9 2014 Strategic Initiatives 3-8-3 Strategic Plan $3 billion in Banking assets - $8 billion in Wealth assets – 3 years (period ending December 2014) Organic growth – opportunistic expansion Inorganic growth criterion - Acquisitions to be strategic and accretive to earnings in first 12 months (excluding merger costs) Focus on earnings-per-share growth Continued emphasis on strong credit quality |
 Financial Review ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* |
 11 Financial Highlights 9/30/13 12/31/13 3/31/14 6/30/14 9/30/14 Total assets ($ in billions) $2.06 $2.06 $2.06 $2.13 $2.12 Portfolio loans & leases ($ in billions) $1.50 $1.55 $1.57 $1.62 $1.65 Total deposits ($ in billions) $1.55 $1.59 $1.58 $1.62 $1.61 Market capitalization ($ in millions) $366 $412 $392 $400 $389 Tangible book value per share, end of quarter $12.17 $13.02 $13.47 $14.03 $14.37 |
 12 Efficiency Ratio (GAAP and Non-GAAP) * See Non-GAAP Measures Disclosure beginning on slide 32 |
 13 Quarterly Net Interest Margin (On a tax-equivalent basis) 4.05% 4.03% 4.02% 4.03% 3.87% 3.84% 3.83% 3.85% 3.83% 3.76% 3.50% 3.60% 3.70% 3.80% 3.90% 4.00% 4.10% Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Net Interest Margin Net Interest Margin Excluding the Effect of Fair Value Mark Accretion |
 14 Quarterly Non-Interest Income (As a % of Total Revenue) |
 15 Capital Position - Bryn Mawr Bank Corporation 12/31/2013 3/31/2014 6/30/2014 9/30/2014 Tier I 11.57% 11.71% 11.85% 12.05% Total (Tier II) 12.55% 12.69% 12.79% 12.99% Tier I Leverage 9.29% 9.50% 9.67% 9.77% Tangible Common Equity 8.92% 9.23% 9.32% 9.58% 12/31/2013 3/31/2014 6/30/2014 9/30/2014 Tier I 11.40% 11.65% 11.68% 11.60% Total (Tier II) 12.38% 12.63% 12.62% 12.54% Tier I Leverage 9.14% 9.43% 9.51% 9.39% Tangible Common Equity 8.78% 9.18% 9.18% 9.21% Capital Position - Bryn Mawr Trust Company |
 Wealth Division Review ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* |
 17 Wealth Assets Under Management, Administration, Supervision and Brokerage (Year-end $ in billions) |
 18 Wealth Management Fees ($ in millions) |
 19 Wealth Division Highlights (as of September 30, 2014) Wealth Management (Bryn Mawr, Hershey and Devon, PA) $4.88 billion in assets Integrated solutions to protect and preserve wealth Financial Planning Estate Planning Retirement Planning Investment Management Custody Services Philanthropic Services Fiduciary Trust Services Multi-family Office Tax Services Long-standing client relationships Integration of operations of all three trust entities is ongoing |
 20 Wealth Division Highlights - continued Bryn Mawr Asset Management (Bryn Mawr, PA) $380 million in assets Brokerage services, asset allocation, open platform with objective advice “Lift Out” strategy with other opportunities being continuously evaluated BMTC of Delaware (Greenville, DE) $1.71 billion in assets Provides corporate fiduciary and administrative trustee services under Delaware law and the full spectrum of tax advantaged strategies Lau Associates (Greenville, DE) $620 million in assets Fee-only, independent multi-family office providing highly personalized service and sophisticated financial planning Powers Craft Parker & Beard, Inc. Insurance brokerage, acquired October 1, 2014 |
 Credit Review ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* ******************************* |
 22 Portfolio Loan & Lease Growth (Period-end $ in millions) * From 2010 forward, includes the addition of the First Keystone loan portfolio. ** From 2012 forward, includes the addition of the loans acquired from First Bank of Delaware. |
 23 Loan Composition at September 30, 2014 ($ in millions) Total loans and leases of $1.65 billion |
 24 Quarterly Asset Quality Data As of or for the quarter ended 9/30/13 12/31/13 3/31/14 6/30/14 9/30/14 Non-performing loans and leases as a % of portfolio loans and leases 0.71% 0.68% 0.65% 0.52% 0.51% Allowance as a % of portfolio loans and leases 1.00% 1.00% 1.01% 0.96% 0.95% Non-performing assets as a % of total assets 0.58% 0.55% 0.55% 0.43% 0.43% Annualized net loan and lease charge-offs as a % of average quarterly loans and leases 0.10% 0.09% 0.13% 0.05% 0.10% |
 25 Loan and Lease Updates The addition of Continental Bank’s strong lending team and its loan portfolio is expected to augment loan growth in 2015 Continuing successful strategy of hiring seasoned professionals with strong customer ties that wish to affiliate with a reputable bank. The lending group continues to take advantage of market opportunities which should continue to deliver solid quality loan growth |
 26 Summary We believe we are an outstanding franchise in a stable market Focus on Wealth Services, including Insurance, and Business Banking Diversified income base – non interest income 37.6% of total revenue for the three months ended September 30, 2014 Outstanding loan quality Sound business strategy, strong asset quality, well capitalized at September 30, 2014 and solid risk management procedures Focus on earnings per share growth Continue to make IT infrastructure investments that should provide longer-term benefits |
 27 Ted Peters Chairman & CEO 610-581-4800 tpeters@bmtc.com Frank Leto President & COO 610-581-4730 fleto@bmtc.com Joseph Keefer Chief Lending Officer 610-581-4869 jkeefer@bmtc.com Duncan Smith Chief Financial Officer 610-526 –2466 jdsmith@bmtc.com Chad Fortenbaugh – Shareholder Relations – 610-581-4823 – cfortenbaugh@bmtc.com Gary Madeira EVP - Wealth 610-581-4791 gmadeira@bmtc.com |
 28 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 (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”, “strategic”, “objective”, “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 |
 29 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 acquisitions; 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 October 24, 2014 and speak only as of that date. The Corporation does not undertake to update forward-looking statements. |
 30 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 subsequently 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. |
 31 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. |
 32 *Non GAAP Measures Our management uses non-GAAP financial measures in their analysis of our performance and believes that they provide useful supplemental information that is essential to an investor’s understanding of Bryn Mawr Bank Corporation’s operating results. These non-GAAP financial measures should not be viewed as a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. A reconciliation from GAAP measures to non-GAAP measures related to the exclusion of due diligence and merger-related expenses or tax-effected due diligence and merger-related expenses is provided on the following two slides: |
 33 *Reconciliation of GAAP Measures to Non-GAAP Measures $ in thousands Full Year 2013 2 Qtr 2014 3 Qtr 2014 Net income (a GAAP measure) $24,444 $7,604 $6,506 Add: Tax-effected due diligence and merger-related expenses (35% tax rate) $1,225 $245 $504 Net income, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure) $25,669 $7,849 $7,010 •Return on average assets, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure) is calculated by dividing net income, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure) by average assets ($ in thousands) of $1,994,500 for the full year 2013, $2,096,491 for the 2 quarter 2014, and $2,127,809 for the 3 quarter 2014. •Return on average equity, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure) is calculated by dividing net income, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure) by average equity ($ in thousands) of $212,050 for the full year 2013, $238,274 for the 2 quarter 2014, and $243,964 for the 3 quarter 2014. •Return on tangible common equity, excluding tax-effected due diligence and merger-related expenses (a non- GAAP measure) is calculated by dividing net income, excluding tax-effected due diligence and merger-related expenses (a non-GAAP measure) by average tangible common equity ($ in thousands) of $158,457 for the full year 2013, $186,972 for the 2 quarter 2014, and $193,300 for the 3 quarter 2014. nd rd nd rd nd rd nd rd |
 34 *Reconciliation of GAAP Measures to Non-GAAP Measures (cont’d) $ in thousands 3 Qtr 2013 4 Qtr 2013 1 Qtr 2014 2 Qtr 2014 3 Qtr 2014 Non-interest expense (a GAAP measure) $19,323 $20,658 $18,899 $20,626 $19,961 Less: Due diligence and merger-related expenses $328 $155 $264 $377 $775 Non-interest expense, excluding due diligence and merger-related expenses (a non-GAAP measure) $18,995 $20,503 $18,635 $20,249 $19,186 •The efficiency ratio, excluding due diligence and merger-related expenses (a non-GAAP measure), is calculated by dividing non-interest expense, excluding due diligence and merger-related expenses (a non-GAAP measure) by the sum of net interest income and non-interest income. rd st rd nd th |
 35 IMPORTANT INFORMATION REGARDING THE CONTINENTAL MERGER The Corporation has filed with the Securities and Exchange Commission (the “SEC”) a Registration Statement on Form S-4 concerning the Merger (SEC File No. 333-196916). The Registration Statement, which includes a prospectus for the offer and sale of the Corporation’s common stock to CBH’s shareholders as well as a proxy statement for each of the Corporation and CBH for the solicitation of proxies with respect to approval of the Merger, was declared effective by the SEC on July 31, 2014 and the definitive combine prospectus and proxy statement was subsequently sent to shareholders of the Corporation and CBH. The Merger was approved by shareholders of the Corporation at a special meeting of the Corporation’s shareholders held on September 23, 2014 and by shareholders of CBH at a special meeting of CBH’s shareholders on September 16, 2014. The combined prospectus and proxy statement and other documents filed by the Corporation with the SEC contain important information about the Corporation, CBH and the Merger. We urge investors and each of the Corporation’s and CBH’s shareholders to read carefully the combined prospectus and proxy statement and other documents filed with the SEC, including any amendments or supplements also filed with the SEC. Investors and shareholders may obtain a free copy of the combined prospectus and proxy statement – along with other filings containing information about the Corporation – at the SEC’s website at http://www.sec.gov. Copies of the combined prospectus and proxy statement, and the filings with the SEC incorporated by reference in the combined prospectus and proxy statement, can also be obtained free of charge by directing a request to Bryn Mawr Bank Corporation, 801 Lancaster Avenue, Bryn Mawr, PA 19010, attention: Geoffrey L. Halberstadt, Secretary, telephone (610) 581-4873. This communication shall not constitute an offer to sell or the solicitation of an offer to buy any securities nor shall there be any sale of securities in any jurisdiction in which the offer, solicitation, or sale is unlawful before registration or qualification of the securities under the securities laws of the jurisdiction. No offer of securities shall be made except by means of a prospectus satisfying the requirements of Section 10 of the Securities Act of 1933, as amended. |