SBT BANCSHARES, INC. Financial Reports

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:· SBT BANCSHARES, INC.

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SBT BANCSHARES, INC.

Institution Profile

Year Opened :

1993

Institution Type :

Holding Company

Reserve District :

Atlanta

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

Yes

External Auditor :

Hannis T Bourgeois, LLP

Related Bank / Thrift	Assets	Asset Concentration
State Bank & Trust Company	153,119	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	13,032	Total Operating Income	2,160
Total Liabilities	650	Total Operating Expenses	79
Total Equity Capital	12,382	Equity in Undistributed Income	(567)
		Net income (loss)	1,514

Miscellaneous
Cash Dividends Declared by Bank Holding Company	270
Total Consolidated Assets of Bank Holding Company	151,560

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury