Southeastern Bank Financial...

Southeastern Bank Financial Corporation2013 SUMMARY ANNUAL REPORT

2 3

6

4

9

57

8

11

1

12

10

RICHMONDCOUNTY

AIKENCOUNTY

COLUMBIACOUNTY

GB&T LOCATIONS

1 Cotton Exchange

2 Evans Express

3 Evans

4 Fury’s Ferry

5 Main Office

6 Martinez

7 Medical Center

8 Southside

9 Washington Road

SB&T LOCATIONS

10 Laurens Street

11 North Augusta

12 South Aiken

FUTURE LOCATION

Grovetown

N

SERVING PROSPERING GROWING

Doing the right thing.

Our MissionWe are Southeastern Bank Financial Corporation, a provider of high-quality financial products and personalized service. We arecommitted to building life-long profitable relationships with our customers, employees, shareholders, and the communities weserve, guided daily by our core values of integrity, excellence, responsiveness – and always doing the right thing.

At a GlanceFounded in 1989 and based in Augusta, Georgia, Southeastern Bank Financial Corporation is a one-bank holding company. TheCompany’s subsidiary, Georgia Bank & Trust Company of Augusta (GB&T), operates as a community bank with five full-servicebranches in Augusta-Richmond County, Georgia, four in Columbia County, Georgia, and three in Aiken County, South Carolina. TheBank offers Wealth Management products through retail investment advisors and operates a full service Trust Department in itsmarkets. The Bank also operates mortgage origination offices in Augusta and Savannah, Georgia and Aiken and North Augusta,South Carolina.

The corporate offices are located at 3530 Wheeler Road, Augusta, Georgia 30909, and its securities are listed on the OTC bulletinboard exchange under the symbol SBFC.

During the year ending December 31, 2013, the total assets of the Company were $1.7 billion and total deposits were $1.5 billion.

Annual MeetingAll shareholders are invited to attend the Southeastern Bank Financial Corporation Annual Meeting to be held on April 23, 2014at 4:00pm at the GB&T Cotton Exchange Office located at 32 8th Street, Augusta, Georgia 30901.

Legal CounselMr. Walt Moeling Mr. W. Byrd WarlickBryan Cave LLP Warlick Tritt Stebbins & Murray LLCOne Atlantic Center, 14th Floor 209 7th Street, Third Floor1201 West Peachtree Street, NW Augusta, Georgia 30901Atlanta, Georgia 30309-3488

Copies of the 2013 Annual Report on Form 10-K are available, without charge, upon written request directed to the Corporate Secretary, Southeastern Bank Financial Corporation, 3530 Wheeler Road, Augusta, Georgia 30909.

ROBERT W. POLLARD, JR.Chairman of the Board

Southeastern Bank Financial Corporation

Vice Chairman of the BoardGeorgia Bank & Trust

E.G. MEYBOHMVice Chairman of the Board


Chairman of the BoardGeorgia Bank & Trust

R. DANIEL BLANTONPresident & Chief Executive Officer

Southeastern Bank Financial CorporationGeorgia Bank & Trust

A LETTER TO OUR SHAREHOLDERS

Dear Fellow Shareholders,

For the second year in a row, we are pleased to report that Southeastern Bank Financial Corporation achieved record earnings. Netincome of $16.3 million for 2013 represents a 13.24 percent increase over 2012. Given that the industry continues to be challengedby this extended, extraordinarily low interest rate environment and economic growth remains lackluster at best, these are verypositive results for your Company. We are proud that the Company was one of the top performers for institutions our size in bothGeorgia and the Southeast with the Return on Average Equity of 12.09 percent in 2013.

The total assets of the Company grew $26.8 million, increasing to $1.7 billion. Loan growth in 2013 of $14.9 million was limitedas borrowers remain very cautious in the midst of current economic conditions. The record financial performance for 2013 was dueto continued growth in net interest income, a further reduction in the provision for loan losses, and significant reductions inexpense. This was achieved despite a significant decrease in mortgage production resulting from an increase in mortgage ratesand slow sales in the housing market overall. Our asset quality reflected continued improvement as nonperforming assets declinedto 1.58 percent of total assets, down from 2.08 percent at the end of 2012. Our loan portfolio is supported by strong loan lossreserves that represent 2.88 percent of total loans outstanding.

Georgia Bank & Trust Company of Augusta is the largest community bank in our markets. Our success reflects an unwaveringcommitment to provide the highest levels of customer service. In 2013, the Bank was voted “Best Place for Friendly Banking” forsix years in a row by Columbia County Magazine and “Best of the Best” in Home Mortgage Lending by Augusta Magazine.Supporting the communities we serve is also an important part of our commitment and in 2013 our employees continued to donatethousands of hours of their time as volunteers for community organizations.

In an effort to better serve our customers, we have expanded our footprint by adding a “deposit taking” ATM on Tobacco Road andpurchased a site in the rapidly growing Grovetown market for a branch office. For our business clients, we introduced BusinessManager, a working capital loan program that provides additional flexibility to help fund a growing business.

Looking forward in 2014, the continuation of historically low levels for interest rates presents a challenge to the net interestmargin. Hopefully, the recently announced increases in military and civilian personnel at Fort Gordon will stimulate economicactivity by increasing general loan demand necessitated by business expansion and the demand for mortgage loans to supportthose moving to our area. The Company continues to focus on operating efficiencies by managing expenses very aggressively.

Your support and confidence in the Company as a shareholder is a key ingredient in our success. In appreciation of that loyalty andsupport and our continued financial performance, the Board reinstated our quarterly dividend in the second quarter of 2013.

Our strategy of delivering value and outstanding service to our customers, shareholders, and the communities we serve willcontinue to generate profitable growth in the years ahead. We stand by our commitment to manage the Company for long termshareholder value.

12013 ANNUAL REPORT 1

12 Bands of ChristmasAcademy of Richmond CountyAdas Yeshurun SynagogueAiken Area Council On AgingAiken Augusta Swim LeagueAiken Center for the ArtsAiken Department of Public Safety PALAiken High SchoolAiken Mid-Day Lions ClubAiken Performing Arts GroupAiken Sertoma ClubAiken Symphony GuildAiken Woman's Heart BoardAiken-Augusta Wounded WarriorAlice Warren Chapter 483Alzheimer's AssociationAmerican Breast Cancer SocietyAmerican Cancer SocietyAmerican Heart AssociationAmerican Legion Post 192American Red Cross of AugustaAquinas High SchoolArmed Forces Communications & Electronics

AssociationAsociacion CulturalAssociation of the United States ArmyAugusta Arsenal Soccer ClubAugusta Care Pregnancy CenterAugusta Chapter Ducks UnlimitedAugusta Cheer AcademyAugusta Children's ChoraleAugusta Choral SocietyAugusta Christian SchoolsAugusta City ClassicAugusta Heritage AcademyAugusta Lions ClubAugusta OperaAugusta Partnership for ChildrenAugusta Players IncAugusta Power FoundationAugusta Preparatory Day SchoolAugusta Rescue MissionAugusta Shrine ClubAugusta State Birdie ClubAugusta State University Foundation

Augusta SymphonyAugusta Technical College FoundationAugusta Training ShopAugusta West Dance GuildAugusta West Rotary ClubAugusta Westobou FestivalAugusta-Richmond County Public Library

FoundationBaker Place Elementary SchoolBarton Chapel Elementary SchoolBoshears Memorial Fly-InBoy Scouts of America - Georgia-Carolina CouncilBoys & Girls Club of the CSRAC. T. Walker Magnet SchoolCaravan CorporationCatholic Social ServicesCattyshack Cat ClubChabad Lubavitch of Augusta, GAChester T. Stafford SocietyChild Advocacy Center of AikenChild EnrichmentChildren’s PlaceChrist Church Health ClinicChrist Community Health ServicesChristian Giles Scholarship FundCokesbury Preschool MinistryColumbia Area Youth Football AssociationColumbia County 4-H ClubColumbia County Ballet IncColumbia County Board of EducationColumbia County Chamber of CommerceColumbia County Choral SocietyColumbia County Community ConnectionsColumbia County Community EventsColumbia County Exchange ClubColumbia County Forward FoundationColumbia County LibraryColumbia Middle SchoolCommunities in SchoolConcerned WomenCongregation Children of IsraelCookin' for KidsCovenant CareCSRA Border Clash CharityCSRA Business League

CSRA Economic Opportunity AuthorityCSRA Heat Volleyball ClubCSRA Humane SocietyCSRA Parkinson's WalkCSRA Partnership for CommunityCSRA Tennis AssociationCurtis Baptist SchoolDance AugustaDaniel E. Hall, III Memorial FundDavidson Fine Arts SchoolDelta HouseDeputy JD Paugh Memorial FoundationDesert Jackels Booster ClubDiamonds in the Ruff CSRAEagle Sports of Greater AugustaEagles French ClubEast Georgia Pop WarnerEaster Seals East GeorgiaEconomic Development PartnershipElim Baptist ChurchEpiscopal Church of the RedeemerEpiscopal Day SchoolEvans High SchoolEvans Lions ClubEvans Pop WarnerExchange Club of North AugustaFamily Promise AugustaFellowship Churches UnitedFellowship of Christian AthletesFirehouse Subs Public Safety FoundationFireside Ministries & IndustriesFirst Baptist ChurchFirst Tee of AugustaFisher House FoundationFore Augusta FoundationFOTAS AikenFoundation for Therapeutic OptionsGarden City All-Star AcademyGarden City Barbershop ChorusGeorgia Chamber of CommerceGeorgia Regents UniversityGeorgia Sheriffs' Youth Homes Georgia Transportation AllianceGertrude Herbert Institute of ArtGirl Scouts of Historic Georgia

Community Investment and ServicesCOMMUNITY INVESTMENT AND SERVICES

SOUTHEASTERN BANK FINANCIAL CORPORATION2

Golden Harvest Food BankGoodwill IndustriesGreater Aiken Chamber of CommerceGreater Augusta Chamber of CommerceGreater Augusta Eagle ClubGreater Augusta Sports CouncilGreenbrier High SchoolGreyhound CrossroadsGrovetown High SchoolGymnastics GoldHabitat for HumanityHale Foundation IncHarlem Baptist ChurchHarlem High SchoolHarry Jacobs Chamber Music SocietyHeart and SoleHephzibah High SchoolHephzibah Lions ClubHistoric AugustaHope HavenHope HouseHopeful HoundsHunt Staff Benefit FoundationHurricane Junior Golf TouriCareIke and Justine Washington FoundationIndo-American Cultural AssociationInterfaith Hospitality NetworkJack and Jill of AmericaJay's Hope Foundation IncJuilliard in AikenJunior Achievement of GeorgiaJunior League of AugustaKane & Co. Dance ProductionsKayla B. Moore Scholarship FundKiokee Baptist ChurchKiwanis Club of AikenKnights of ColumbusKoinonia CDCKorean Association of AugustaLadies Ancient Order of HiberniaLakeside High SchoolLarry Bray Memorial FoundationLaura Grove Missionary BaptistLe Chat Noir

Leadership AugustaLeukemia & Lymphoma SocietyLifeskills for WomenMach AcademyMarch of DimesMartinez Elementary SchoolMartinez-Evans Little LeagueMarvin United Methodist ChurchMarybeth Regan Memorial FundMasters City Golf AssociationMasters City Little LeagueMedical College of GeorgiaMerchants Association of Columbia CountyMetter Primitive Baptist ChurchMiles for Cystic FibrosisMiracle Making MinistriesMorris Museum of ArtMuscular Dystrophy AssociationNational Wild Turkey FederationNavy Family Readiness GroupNew Bethlehem Community CenterNew Hope Worship CenterNorth Augusta 2000North Augusta High SchoolNorth Augusta Lions ClubNorth Augusta Police Benefit FoundationNorth Columbia Elementary SchoolOlde Town Preservation AssociationPaine CollegeProvidence Baptist ChurchRebecca Erryn Moon FoundationRichmond County Board of EducationRichmond County Medical SocietyRidgestone Christian AcademyRiverfront Marines DetachmentRonald McDonald House Charities of Augusta Rotary Club of AugustaRotary Club of Columbia CountyRotary Club of Martinez-EvansRotary InternationalSacred Heart Cultural CenterSafe Homes of AugustaSalvation Army of AugustaSavannah Riverkeeper

Shine for ScottSilver Bluff High SchoolSoutheastern Firefighters Burn FoundationSoutheastern Natural Sciences AcademySouthern Cross SertomaSpringfield Baptist Church St. John United Methodist ChurchSt. Jude Children's ResearchSt. Mark United Methodist ChurchSaint Mary Help of Christians Catholic SchoolStallings Island Middle SchoolSure-Shot Basketball CampSweetwater Baptist ChurchTender Sprout Christian Life CenterThe Church of the Good ShepherdThe Family Y The Family Y of North AugustaThe Lydia ProjectThe Shield Club of Greater AugustaToys for TotsUnited Elite BasketballUnited Methodist Children’s HomeUnited Way of Aiken CountyUnited Way of the CSRAUniversity Health Care FoundationUniversity of Georgia FoundationUniversity of South Carolina AikenVFW Post 3200Victory Baptist ChurchWalton Foundation for IndependenceWe Are Special Wesley United Methodist ChurchWestminster Day SchoolWestmont Elementary SchoolWestside High SchoolWheeless Road Elementary SchoolWhiskey Road FoxhoundsWilliams Memorial CME ChurchWomen of WoodsideYamasee District CommitteeYancey Mental HealthYoung Life Greater AugustaYoung Mens Hebrew AssociationYouth Challenge Academy



300,000

600,000

900,000

1,200,000

1,500,000

1,800,000

‘09 ‘10 ‘11 ‘12 ‘13

200,000

400,000

600,000

800,000

1,000,000

‘09 ‘10 ‘11 ‘12 ‘13

‘09 ‘10 ‘11 ‘12 ‘13

300,000

600,000

900,000

1,200,000

1,500,000

80,000

100,000

120,000

140,000

‘09 ‘10 ‘11 ‘12 ‘13

ASSETS

FINANCIAL HIGHLIGHTS*

LOANS

DEPOSITS

STOCKHOLDERS’ EQUITY

DOLLARS IN THOUSANDS

*Average balances used.

$1

,47

6,8

87

$1

,57

5,3

60

$1

,60

5,4

89

$1

,65

2,2

51

$1

,69

3,2

57

$9

65

,11

1

$9

02

,34

6

$8

60

,93

6

$8

47

,87

2

$8

80

,56

5

$1

,22

1,1

00

$1

,36

7,4

16

$1

,40

6,4

94

$1

,42

6,2

82

$1

,45

1,6

93


EarningsTotal interest income

Total interest expense

Net interest income

Provision for loan losses

Noninterest income

Noninterest expense

Net income (loss)

Per Share DataNet income (loss) - diluted

Book value

Cash dividends declared per common share

Weighted average common and common

equivalent shares outstanding

Selected Average BalancesAssets

Total loans (net of unearned income)

Deposits

Stockholders’ equity

Selected Year-End BalancesAssets

Loans (net of unearned income)

Allowance for loan losses

Deposits

Short-term borrowings

Long-term borrowings

Stockholders’ equity

Selected RatiosReturn on average total assets

Return on average equity

Average earning assets to average total assets

Average loans to average deposits

Average equity to average total assets

Net interest margin

Operating efficiency

Net charge-offs to average loans

Allowance for loan losses to net loans (year-end)

Risk-based capital

Tier 1 capital

Total capital

Tier 1 leverage ratio

$62,314

9,514

52,800

7,438

18,497

40,366

16,346

$2.45

19.70

0.39

6,678,914

$1,693,257

880,565

1,451,693

135,219

$1,689,326

905,713

26,409

1,454,803

2,355

84,000

131,569

0.97%

12.09%

93.20%

60.66%

7.99%

3.35%

55.52%

1.12%

2.92%

14.18%

15.44%

9.37%

$63,670

12,034

51,636

8,141

21,494

44,068

14,435

$2.16

20.34

0.00

6,678,215

$1,652,251

847,872

1,426,282

126,605

$1,662,502

871,447

28,846

1,421,272

976

85,547

135,783

0.87%

11.40%

92.61%

59.45%

7.66%

3.37%

59.53%

0.98%

3.31%

13.66%

14.96%

8.87%

$67,640

17,078

50,562

12,584

19,671

42,041

11,045

$1.65

17.53

0.00

6,676,774

$1,605,489

860,936

1,406,494

107,980

$1,614,773

846,010

29,046

1,419,222

701

61,947

117,029

0.69%

10.23%

92.34%

61.21%

6.73%

3.41%

59.65%

1.18%

3.43%

13.01%

14.39%

8.21%

$69,874

23,998

45,876

15,801

21,086

41,815

6,856

$1.03

14.97

0.00

6,674,224

$1,575,360

902,346

1,367,416

100,719

$1,607,105

874,095

26,657

1,410,737

8,818

74,947

99,958

0.44%

6.81%

91.73%

65.99%

6.39%

3.18%

62.66%

1.27%

3.05%

12.14%

13.59%

7.39%

$70,760

28,483

42,277

30,904

20,739

46,511

(7,985)

($1.24)

14.05

0.13

6,422,867

$1,476,887

965,111

1,221,100

100,760

$1,491,119

937,489

22,338

1,280,534

20,788

82,947

93,744

(0.54%)

(7.92%)

91.54%

79.04%

6.82%

3.12%

72.87%

2.42%

2.38%

11.06%

12.55%

7.51%

2013 2012 2011 2010 2009

DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA

Southeastern Bank Financial CorporationSELECTED CONSOLIDATED FINANCIAL DATA


Assets

Cash and due from banksInterest-bearing deposits in other banks

Cash and cash equivalents

Available-for-sale securities

Loans held for saleLoans

Less allowance for loan lossesLoans, net

Premises and equipment, netAccrued interest receivableGoodwill, netBank-owned life insuranceRestricted equity securitiesOther real estate ownedPrepaid FDIC assessmentDeferred tax assetOther assets

Liabilities and Stockholders’ Equity

Deposits:Noninterest-bearingInterest-bearing:

NOW accountsSavingsMoney management accountsTime deposits of $100 or moreOther time deposits

Securities sold under repurchase agreementsAdvances from Federal Home Loan BankAccrued interest payable and other liabilitiesSubordinated debentures

Total liabilities

Stockholders’ equity:Preferred stock, no par value; 10,000,000 shares authorized;

0 shares outstanding in 2013 and 2012, respectivelyCommon stock, $3.00 par value; 10,000,000 shares authorized;

6,680,225 and 6,680,225 shares issued in 2013 and 2012, respectively;6,679,982 and 6,675,000 shares outstanding in 2013 and 2012, respectively

Additional paid-in capitalRetained earningsTreasury stock, at cost; 243 and 5,225 shares in 2013 and 2012, respectivelyAccumulated other comprehensive income (loss), net

Total stockholders’ equity

$ 36,76610,57047,336

649,979

10,638905,71326,409

879,304

27,0036,221

140 35,7454,8701,014

—21,0236,053

$ 1,689,326

$ 187,287

351,799521,65616,065

293,00484,992

1,454,803

80864,00016,59921,547

1,557,757

—

20,04162,86358,769

(3)(10,101)131,569

$ 1,689,326

39,5664,322

43,888

654,739

30,051871,44728,846

842,601

26,1456,603

140 34,8255,2963,4902,024

10,4062,294

1,662,502

158,066

349,531504,19418,033

280,871110,577

1,421,272

97664,00018,92421,547

1,526,719

—

20,04162,83545,028

(73)7,952

135,7831,662,502

Dec. 31, 2013 Dec. 31, 2012

Southeastern Bank Financial CorporationCONSOLIDATED BALANCE SHEETS

DOLLARS IN THOUSANDS, EXCEPT SHARE DATA


2013 2012 2011YEARS ENDED DECEMBER 31,

46,693

14,3582,537

8263,670

9,42512

2,59712,03451,6368,141

43,495

6,8499,368

10

321

(13)(4)(9)

1,9411,146

1,112756

21,494

25,8894,0941,785

12,30044,06820,9216,486

14,435

(154)7,530

(312)(2,748)4,316

18,751

2.162.16

6,678,215

6,678,215

$ 46,479

12,9182,846

7162,314

6,7946

2,7149,514

52,8007,438

45,362

7,1556,843

26

(895)

———

2,0991,185

1,187897

18,497

23,0793,722

64212,92340,36623,4937,147

$ 16,346

1,648(32,090)

89511,494

(18,053)$ (1,707)

$ 2.452.45

6,678,914

6,678,914

50,036

15,4432,041

12067,640

14,4436

2,62917,07850,56212,58437,978

6,7497,075

71

1,119

(191)(89)

(102)1,8511,128

1,035745

19,671

23,2234,3591,899

12,56042,04115,6084,563

11,045

(2,262)12,884

(1,017)(3,736)5,869

16,914

1.651.65

6,676,774

6,676,774

Interest Income:Loans, including feesInvestment securities:

TaxableTax-exempt

Interest-bearing deposits in other banksTotal interest income

Interest Expense:DepositsSecurities sold under repurchase agreementsOther borrowings

Total interest expenseNet interest incomeProvision for loan lossesNet interest income after provision for loan losses

Noninterest Income:Service charges and fees on depositsGain on sales of loansGain on sale of fixed assets, netInvestment securities gains (losses), net (includes ($895),

$312 and $1,017 accumulated other comprehensiveincome reclassifications for unrealized gains (losses)on available-for-sale securities)

Other-than-temporary lossTotal impairment lossLess loss recognized in other comprehensive income

Net impairment loss recognized in earningsRetail investment incomeTrust services feesEarnings from cash surrender value of bank-owned

life insuranceMiscellaneous income

Total noninterest income

Noninterest Expense:Salaries and other personnel expenseOccupancy expensesOther real estate losses, netOther operating expenses

Total noninterest expenseIncome before income taxesIncome tax expenseNet income

Other Comprehensive Income (loss):Unrealized gain (loss) on derivativesUnrealized gain (loss) on securities available-for-saleReclassification adjustment for realized (gain) loss

on securities, net of OTTITax effect

Total other comprehensive income (loss)Comprehensive income (loss)

Basic net income per shareDiluted net income per shareWeighted average common shares outstandingWeighted average number of common and

common equivalent shares outstanding

DOLLARS IN THOUSANDS, EXCEPT SHARE DATA

Southeastern Bank Financial CorporationCONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)


Executive Committee

STANDING (LEFT TO RIGHT):

Paula E. Tankersley Group Vice President, Retail Banking

Jay B. Forrester Group Vice President & Senior Loan OfficerRobert C. Osborne, Jr. Executive Vice President, Private Banking& Government Relations

James R. Riordan, Jr. Group Vice President & Senior Credit OfficerRegina W. Kennedy Group Vice President, Bank Operations

SEATED (LEFT TO RIGHT):

Darrell R. Rains Group Vice President & Chief Financial Officer

R. Daniel Blanton President & Chief Executive Officer

Ronald L. Thigpen Executive Vice President & Chief Operating Officer


Georgia Bank & Trust Officers

R. Daniel BlantonPresident

& Chief Executive Officer

Darrell R. RainsGroup Vice President

& Chief Financial Officer

Robert S. Bissell, Jr.Senior Vice President

& Business Development Officer

Frederick W. GesellSenior Vice President,Compliance Director

Ronald L. ThigpenExecutive Vice President& Chief Operating Officer

James R. Riordan, Jr.Group Vice President& Senior Credit Officer

L. Bart ChandlerSenior Vice President,Mortgage Origination

Sonya M. HansonSenior Vice President,

Marketing

Robert C. Osborne, Jr.Executive Vice President,

Private Banking & GovernmentRelations

Paula E. TankersleyGroup Vice President,

Retail Banking

T. Jeff DornSenior Vice President


James L. JonesSenior Vice President


Jay B. ForresterGroup Vice President& Senior Loan Officer

A. Loran AdamsSenior Vice President,

Internal Auditor

K. Michael EppsSenior Vice President


Walter H. MassingaleSenior Vice President


Regina W. KennedyGroup Vice President,

Bank Operations

A. Thomas BalkSenior Vice President,Mortgage Operations

M. Ruthie FairclothSenior Vice President


Angela J. MoralesSenior Vice President,

BSA Officer



Charles O. ParkerSenior Vice President


Mark J. WillsSenior Vice President,Commercial Lending

R. Daniel Blanton, Jr.Vice President


Dorothey G. CunninghamVice President

& Mortgage Compliance Officer

Mary Anne PlunkettSenior Vice President,Credit Administration

Frankie M. WrightSenior Vice President,

Human Resources & Training

Brent M. BullVice President


W. Jody GriffithVice President


Charles B. Thompson, IIISenior Vice President,Wealth Management

Denise F. BargeronVice President,

Deposit Operations

Helen T. CaldwellVice President


Winston D. HancockVice President,

Credit Administration

T. Clint WallerSenior Vice President,Construction Lending

R. Scott BenjaminVice President,Investments

Andrea J. CarlsonVice President& Credit Analyst

Donna M. HessVice President,


Sherry C. WigginsSenior Vice President,Information Technology

W. Wayne BissellVice President,Investments

Timothy S. ColeVice President,

Retail Bank Operations

Carolyn T. HodgeVice President& Trust Officer



David J. Hogg, Jr.Vice President, Wealth

Management Relationship Manager

Donna M. MoodyVice President,

Mortgage Post Closing

Barbara D. StarVice President& Controller

Joe H. AttawayAssistant Vice President,

Facilities

Barbara S. HowellVice President,

Mortgage Wholesale

Jill C. MoxleyVice President

& Portfolio Manager

Judith T. ThompsonVice President,

Security

Nicholas R. BlumeAssistant Vice President

& Office Manager

Patricia D. KeithVice President,Loan Operations

Michelle A. ReddVice President,

Electronic Banking

Susan A. WrightVice President

& Office Manager, Savannah

Phillip J. Cerrillo, Jr.Assistant Vice President

& Office Manager

Christopher T. McLaughlinVice President,

Construction Lending

Gerald T. RogersVice President,Investments

Donna B. ZuehlkeVice President,Loan Operations

Diane L. CooperAssistant Vice President,

Human Resources

Paula B. MobleyVice President,

Construction Lending, Savannah

Larry O. SidesVice President


D. Mark AllenAssistant Vice President


Toni Ann CountsAssistant Vice President,Information Technology



Monique J. WynnAssistant Vice President

& Office Manager

Teresa B. JenksAssistant Vice President

& Office Manager

Ruth V. StephensAssistant Vice President& Care Center Manager

Sonyia C. CannadyMortgage Loan Officer,

Savannah

Richard M. DavisMortgage Officer,

Secondary Marketing

John L. Kennedy, IIIAssistant Vice President,Credit Administration

J. Royce AllenMortgage Loan

Officer

Posie B. CareyAccounting Officer,

Tax

Cynthia A. EberMortgage Loan

Officer

Katie L. NewtonAssistant Vice President

& Office Manager

DeAndre M. BeasleyMortgage Loan

Officer

John T. Chandler, Jr.Mortgage Loan

Officer

Georgetta S. KirkleyMortgage Loan Officer,

Savannah

Lourdes I. SellarsAssistant Vice President

& Office Manager

D. Carleen BenjaminMortgage Loan

Officer

Melynda R. ClevelandMortgage Loan

Officer

Mary O. LewisMortgage Loan

Officer

Mary J. SteeleAssistant Vice President,

CRM Coordinator

C. Ashby BethuneBanking Officer,


Barry B. DavisMortgage Loan

Officer



Melinda H. McReeInvestmentOfficer

Jonathon P. RenewInformation Technology

Officer

Loretta H. SmithTrainingOfficer

Kendra N. PatrickElectronic Banking

Officer

Rhoda L. RestivoFinanceOfficer

Joel M. ThomasBanking Officer

& Office Manager

Mary C. PickettBankingOfficer

Nancy K. SheahanAccountingOfficer

Paula T. TroupeMortgage Loan

Officer

Levi A. Pollard, VIBanking Officer

& Systems Analyst

Melissa L. SimmonsAccountingOfficer

Christopher R. UtleyBanking Officer,


Travis E. WrightMortgage Loan

Officer

Rick O. Mays, Jr.Banking Officer



Southern Bank & Trust Officers

Frank A. Townsend, IIIAiken CountyPresident

Susan B. YarboroughAiken County

Executive Vice President

Ben L. Newman, Jr.Senior Vice President


Jason A. DavisVice President,

Construction Lending

Kevin W. TooleVice President


Tina M. BevellAssistant Vice President

& Office Manager

Ashley M. BagbyBanking Officer

& Office Manager

Angela C. ScottBanking Officer

& Office Manager

Gregory D. WarfieldMortgage Loan

Officer


Richard W. AllenPresident & CEO,

R.W. Allen & Associates, Inc.

William J. Badger*President,

Howard Lumber Company

James G. Blanchard, Jr.Superior Court Judge

R. Daniel Blanton*President & CEO,

Southeastern Bank Financial Corp.& Georgia Bank & Trust

Braye C. BoardmanPresident & CEO,Beacon Blue, LLC

Raymond D. BrownChairman of the Board,

R.D. Brown Contractors, Inc.

W. Marshall Brown**Vice President, Investments,

Stifel, Nicolaus & Company, Inc.

Patrick D. Cunning*President,

Woodside - Aiken Realty

Warren A. Daniel*Financial Representative,The Northwestern Mutual

Financial Network

Terry D. ElamPresident,

Augusta Technical College

Jane W. HowingtonCommunity Volunteer,

Howington, Inc.

E. G. Meybohm*President,

Meybohm Realty, Inc.Chairman of the BoardGeorgia Bank & Trust

Robert W. Pollard, Jr.*President,

Pollard Lumber Company, Inc.Vice Chairman of the Board

Georgia Bank & Trust

Grey B. MurrayPresident,

United Brokerage Company, Inc.

R. Joseph PollockPresident,

Pollock Company & Pollock Financial Services

Larry S. Prather*President,

Prather ConstructionCompany, Inc.

James W. Smith, Jr.Retired,

Smitty’s Auto Service

Randolph R. Smith, M.D.*Physician,

Augusta Plastic SurgeryAssociates, PC

John W. Trulock, Jr.*The Trulock Company

Ronald L. Thigpen*Executive VP & COO,

Southeastern Bank Financial Corp. & Georgia Bank & Trust

William Dunn WansleyPresident & CEO

J. C. Dunn Properties

Georgia Bank & Trust Board of Directors

*Denotes Director of Southeastern Bank Financial Corporation and Georgia Bank & Trust. **Denotes Director of Southeastern Bank Financial Corporation only.


Southern Bank & Trust Advisory Board

Raymond D. Brown**Chairman of the Board,

R.D. Brown Contractors, Inc.

Randy W. Cooper, M.D.Surgeon,

University Surgical Associates

Patrick D. Cunning*President,

Woodside - Aiken Realty

Steven E. FloydPresident,

Prism, Inc. - Parent Companyof Floyd & Green

Gary L. McElmurrayPresident,

McElmurray Construction andSouthern Grading & Paving

W. Greg RybergCEO,

REI, Inc.

J. Strom Thurmond, Jr.Solicitor,

2nd Judicial Court

Lionel V. SmithFounder,

Lionel Smith Ltd.

Frank A. Townsend, IIIAiken County PresidentSouthern Bank & Trust

*Denotes Director of Southeastern Bank Financial Corporation and Georgia Bank & Trust. **Denotes Director of Georgia Bank & Trust only.


GB&T Locations

Cotton Exchange Office32 8th StreetAugusta, GA 30901706-432-3332

Evans Express Office4440 Washington RoadEvans, GA 30809706-863-0321

Evans Office 627 Ronald Reagan DriveEvans, GA 30809706-854-6270

Fury’s Ferry Office409 Fury’s Ferry RoadMartinez, GA 30907706-650-0409

Main Office3530 Wheeler RoadAugusta, GA 30909706-738-6990

Martinez Office4109 Columbia RoadMartinez, GA 30907706-863-2583

Medical Center Office1530 Walton WayAugusta, GA 30904706-821-1530

Southside Office3111 Peach Orchard RoadAugusta, GA 30906706-790-3111

Washington Road Office3133 Washington RoadAugusta, GA 30907706-860-3133

SB&T Locations

Laurens Street Office149 Laurens Street NWAiken, SC 29801803-649-4240

North Augusta Office336 Georgia Avenue, Suite 104North Augusta, SC 29841803-278-1421

South Aiken Office1001 Pine Log RoadAiken, SC 29803803-649-0649

ATM Locations

Surrey Center495-A Highland AvenueAugusta, GA 30904

Tobacco Road2570 Tobacco RoadHephzibah, GA 30815

ATMs available at all branch locations

Mortgage Locations

Aiken Mortgage Offices149 Laurens Street NWAiken, SC 29801803-634-8440

1001 Pine Log RoadAiken, SC 29803803-649-8552

Augusta Mortgage Offices3515 Wheeler Road, Building AAugusta, GA 30909706-739-1780

4109 Columbia RoadMartinez, GA 30907706-863-2583

North Augusta Mortgage Office336 Georgia Avenue, Suite 104North Augusta, SC 29841803-278-2637

Savannah Mortgage Office6605 Abercorn Street, Suite 111Savannah, GA 31405912-355-9902

www.georgiabankandtrust.com | www.southernbandt.com

Southern Bank & Trust is A Division of Georgia Bank & Trust

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