
| ADDENDA A: FINANCIAL PROFILE – SAVANNAH RIVER Source: SNL Financial SAVANNAH RIVER FINANCIAL CORPORATION For the Twelve Months Ended Company Information In $000s except for per share data 12/31/10 12/31/11 12/31/12 03/31/13 06/30/13 407 Silver Bluff Road, SW Aiken, SC 29803 Balance Sheet CEO: J. Randolph Potter Total Assets $144,408 $157,723 $162,580 $158,410 $160,168 Number of Offices: 2 Total Loans $97,681 $101,326 $113,932 $114,666 $110,694 Number of Employees: 30 Total Deposits $117,821 $126,333 $132,197 $128,753 $130,739 Type: Commercial Bank Loans/Deposits 82.9% 80.2% 86.2% 89.1% 84.7% Capital Common Equity $19,856 $28,756 $29,226 $29,386 $29,283 Tangible Common Equity $19,856 $28,756 $29,226 $29,386 $29,283 TCE/TA 13.74% 18.23% 17.98% 18.55% 18.28% Risked Based Capital (Bank) 16.32% 18.90% 17.99% 18.04% 18.01% Tier 1 RBC Ratio (Bank) 15.19% 17.65% 16.74% 16.79% 16.75% Bank - Level Profitability Measures Net Interest Margin 3.34% 3.40% 3.57% 3.70% 3.68% Non Interest Income/Average Assets 0.20% 0.17% 0.24% 0.30% 0.20% Non Interest Expense/Average Assets 2.81% 2.46% 2.54% 2.59% 2.59% Efficiency Ratio 84.8% 73.9% 71.3% 69.4% 70.9% ROAA 0.16% 0.41% 0.42% 0.59% 0.54% ROAE 1.08% 2.98% 3.02% 4.23% 3.95% Net Income $206 $605 $643 $230 $215 Asset Quality Nonperforming Assets/Assets 0.01% 0.08% 0.80% 0.62% 0.62% NCOs/Avg Loans 0.05% 0.04% 0.27% 0.00% -0.03% Quarters Ended |