![]() Annual Shareholders Meeting April 28, 2010 Bryn Mawr Bank Corporation NASDAQ: BMTC Filed by Bryn Mawr Bank Corporation Pursuant to Rule 425 under the Securities Act of 1933 Subject Company: First Keystone Financial, Inc. Commission File No.: 000-25328 |
![]() This presentation contains certain forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words believe, expect, anticipate, intend, plan, estimate or words of similar meaning. Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors, many of which are beyond the Corporation's control could cause actual conditions, events or results to differ significantly from those described in the forward looking statements. Information regarding the factors and risks that can affect the Corporation’s business financial condition and results of operation is contained in the Corporation’s filings with the Securities and Exchange Commission, which are available at http://www.sec.gov. Forward-looking statements speak only as of the date they are made. The Corporation does not undertake to update forward-looking statements. Safe Harbor |
![]() Where to Find More Information About the First Keystone Financial, Inc. Merger The Corporation has filed with the Securities and Exchange Commission ("SEC") a Registration Statement on Form S-4 concerning the proposed merger of First Keystone Financial, Inc. into the Corporation (the “Merger”). The Registration Statement includes a prospectus for the offer and sale of the Corporation’s Common Shares to First Keystone Financial, Inc.'s shareholders as well as a proxy statement for the solicitation of proxies from First Keystone Financial, Inc.'s shareholders for use at the meeting at which the Merger will be voted upon. The combined prospectus and proxy statement and other documents filed by the Corporation with the SEC contain important information about the Corporation, First Keystone Financial, Inc., and the Merger. We urge investors and First Keystone Financial, Inc.'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. First Keystone Financial, Inc.'s shareholders in particular should read the combined prospectus and proxy statement carefully before making a decision concerning the Merger. 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 Geoff Halberstadt, Secretary, telephone (610) 581-4873. |
![]() 2009 Overview Select Performance Measurements BMTC Peer Median ROAE: 10.55% 0.20% ROAA: 0.88% 0.03% Tax Equivalent 3.70% 3.29% Net Interest Margin NPA’s/Assets 0.72% * 1.94% *Excluding performing Troubled Debt Restructures (TDR’s) this figure is 0.64% Bryn Mawr Bank Corporation's peer group consists of the following: Bancorp, Inc., DNB Financial Corporation, First Chester County Corporation, Fulton Financial Corporation, Harleysville National Corporation, National Penn Bancshares, Inc., Republic First Bancorp, Inc., Susquehanna Bancshares, Inc., Univest Corporation of Pennsylvania, Wilmington Trust Corporation |
![]() 2009 Overview Strong Performance Wealth Management Division Assets – Increased 33.8% to $2.9 billion The Bryn Mawr Trust Company of Delaware - $400 million in assets BMT Asset Management - $100 million in new assets Deposits – increased 7.9% to $938 million Mortgage Loan Originations - $292 million |
![]() 2009 Overview Multiple Growth Initiatives Acquisition of First Keystone Financial, Inc. Scheduled to close July 2010 Regulatory approval process is underway 8 branch locations in Delaware and Chester Counties, PA Approximately $500 million in assets Deal value of approximately $30 to $35 million |
![]() 2009 Overview Multiple Growth Initiatives Formation of BMT Asset Management West Chester Regional and Business Banking Office Continually evaluating new opportunities including banks and wealth management businesses |
![]() Financial Review |
![]() Net Income ($ mil) $10.3 $9.3 $11.4 $12.7 $13.6 $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 2005 2006 2007 2008 2009 |
![]() Significant Items Impacting 2009 Results Include: Cost of Interest Bearing Funds FDIC Insurance Sales of Residential Mortgages Gains on the sale of Investment Securities Provision for Loan and Lease Losses |
![]() Net Interest Income ($ mil) * $26.8 $31.3 $33.3 $34.2 $37.1 $40.8 $15 $20 $25 $30 $35 $40 $45 2004 2005 2006 2007 2008 2009 *Note: Not on a Tax Equivalent Basis |
![]() Portfolio Loans & Leases ($ mil) $886 $499 $595 $556 $681 $803 $439 $900 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 2002 2003 2004 2005 2006 2007 2008 2009 |
![]() Total Deposits ($ mil) $484 $527 $601 $636 $714 $850 $869 $938 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 2002 2003 2004 2005 2006 2007 2008 2009 |
![]() Wealth Management Division Assets Under Management, Administration and Supervision and Brokerage * ($ bil) * Excludes Community Bank’s Assets 2005-2007 $1.75 $1.89 $2.04 $2.18 $2.28 $2.87 $2.15 $1.00 $1.50 $2.00 $2.50 $3.00 2003 2004 2005 2006 2007 2008 2009 |
![]() Wealth Management Division Revenue ($ mil) $11.5 $13.5 $12.4 $13.8 $14.2 $9.7 $10.3 $6 $9 $12 $15 2003 2004 2005 2006 2007 2008 2009 |
![]() 2010 Key Initiatives Complete the merger with First Keystone Financial and introduce Bryn Mawr Trust services to its customers Focus on the Net Interest Margin Continued emphasis on strong credit quality Opportunistic expansion Expand our Wealth Management offerings Raise capital as needed |
![]() Thank you |