SOUTHEASTERN BANK FINANCIAL CORPORATION

Transcription

SOUTHEASTERN BANK FINANCIAL CORPORATION
2014 SUMMARY ANNUAL REPORT
Our Mission
We are Southeastern Bank Financial Corporation a provider of high quality financial products and personalized service.
We are committed to building lifelong profitable relationships with our customers, employees, shareholders, and the communities we serve,
guided daily by our core values of integrity, excellence, and responsiveness — and always doing the right thing.
At a Glance
Founded in 1989 and based in Augusta, Georgia, Southeastern Bank Financial Corporation is a one-bank holding company.
The Company’s subsidiary, Georgia Bank & Trust Company of Augusta (GB&T), operates as a community bank
with five full-service branches in Augusta-Richmond County, Georgia, four in Columbia County, Georgia, and three
in Aiken County, South Carolina. The Bank offers Wealth Management and Insurance products through retail investment
advisors and operates a full service Trust Department in its markets. 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 bulletin board exchange under the symbol SBFC.
During the year ending December 31, 2014, the total assets of the Company were $1.7 billion and total deposits were $1.5 billion.
Annual Meeting
All shareholders are invited to attend
the Southeastern Bank Financial Corporation Annual Meeting
to be held on April, 22, 2015 at 4:00pm
at the GB&T Cotton Exchange Office located
at 32 8th Street, Augusta, GA 30901
A Letter to Our Shareholders
Dear Fellow Shareholders,
We are pleased to report that Southeastern Bank Financial Corporation achieved another year of record earnings. Net income of
$16.6 million for 2014 represents very positive results for the Company. While we continue to be challenged by this extended,
extraordinarily low interest rate environment, we are encouraged as we see the beginnings of some economic activity and
resulting loan growth. The Company remains one of the top performers for institutions our size in both Georgia and the Southeast
with a Return on Average Equity of 11.49 percent in 2014.
The total assets of the Company grew $43.5 million, increasing to $1.73 billion. Loan growth improved in 2014 as total loans
increased $68.4 million. Borrowers continue to remain cautious with the uncertainties in the current economic environment. Our
record financial performance for 2014 was due primarily to lower expense in the provision for loan losses. While the gain on the
sale of loans was down from 2013, this was primarily the result of placing some of our mortgage loans on our balance sheet
which resulted in lower fee income. Our asset quality reflected continued improvement as non-performing assets declined to 1.26
percent of total assets, down from 1.58 percent at the end of 2013. Our loan portfolio is supported by strong loan loss reserves
that represent 2.59 percent of total loans outstanding.
Georgia Bank & Trust Company has grown to become the largest community bank in the Augusta market. Our community continues
to recognize our unwavering commitment to provide the highest levels of products and customer service. The Bank was voted
“Best Place for Friendly Banking” for the seventh year in a row by Columbia County Magazine, “Best Mortgage Lender” for the
third year in a row by Augusta Magazine, and “Family Favorite Financial Institution” for the third year in a row by Augusta Family
Magazine. We are also committed to serving our communities as our employees continued to donate thousands of hours of
their time as volunteers for community organizations. In celebration of our 25th Anniversary, we conducted the “Give Back 25”
campaign, awarding a total of $25,000 to ten worthy organizations.
Last year we expanded our services to businesses with the introduction of Cash Flow Leasing, Business Manager, a Purchase Card
Program, and Mobile Processing. We all recognize that successful businesses are the life blood of our community, and we are
committed to continue to provide the latest in products and services that support their success. We also expanded services to our
retail customers by upgrading six of our automated teller machines to provide “deposit taking” capability. Our planning continues
with the development of an exciting new branch office in the rapidly growing Grovetown market.
The milestone of celebrating our 25th Anniversary, achieving a position as one of the top 10 Banks chartered in Georgia, and
becoming the largest community bank in Augusta, makes us keenly aware and appreciative of the support, confidence, and loyalty
you have displayed as a shareholder of the Company.
We are confident that our commitment to delivering value and outstanding service to our customers, shareholders, and the
communities we serve will continue to generate profitable growth in the years ahead. We will continue to stand by our
commitment to manage the Company for long-term shareholder value.
ROBERT W. POLLARD, JR.
RANDOLPH R. SMITH, M.D.
R. DANIEL BLANTON
Chairman of the Board
Southeastern Bank Financial
Corporation
Vice Chairman of the Board
Corporation
Georgia Bank & Trust
Chief Executive Officer
Corporation
2014 Annual Report
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1
Community Investment & Services
12 Bands of Christmas
Abilene Baptist Church
Abundant Life Worship Center
Academy of Richmond County
Action Ministries
Adas Yeshurun Synagogue
Aiken-Augusta Swim League
Aiken Center for the Arts
Aiken High School
Aiken Mid-Day Lions Club
Aiken Performing Arts Group Inc
Aiken Polo Club
Aiken Sertoma Club
Aiken Steeplechase Association
Aiken Women’s Heart Board
Aiken-Augusta Wounded Warrior Project
Aldersgate United Methodist
Alice Warren Chapter 483
Alleluia Community School
Alpha Phi Alpha Fraternity, Inc
American Cancer Society
American Heart Association
American Junior Golf Association
American Legion Post 192
American Red Cross of Augusta
Aquinas High School
Arts & Heritage Center of North Augusta
Asociacion Latina De Servicios
ASPCA
Association of the United States Army (AUSA)
Augusta Bulldog Club
Augusta Chapter Ducks Unlimited
Augusta Cheer Academy
Augusta Children’s Chorale
Augusta Choral Society
Augusta Christian Schools Inc
Augusta City Classic Inc
Augusta Free School
Augusta Golf Association
Augusta Heritage Academy Inc
Augusta Jewish Community Center
Augusta Lions Club
Augusta Metro Chamber of Commerce
Augusta Old Line Primitive Baptist Church
Augusta Preparatory Day School
Augusta-Richmond County Library
Augusta Shrine Club
Augusta South Rotary Club
Augusta State University Foundation
Augusta Symphony Guild, Inc.
Augusta Symphony, Inc
Augusta Technical College Foundation
Augusta Training Shop for the Handicapped
Augusta United Methodist Children’s Home
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Southeastern Bank Financial Corporation
Augusta West Dance Guild
Augusta West Rotary Club
Bath First Baptist Church
Berea Baptist Church
Boy Scouts of America
Boys & Girls Club of the CSRA
Broad Street Ministries
Broadacres Baptist Church
C.T. Walker Magnet School
Calvary Baptist Temple
Capers Chapel United Methodist Church
Caravan Corporation
Central Savannah River Land Trust
Chabad Lubavitch of Augusta, GA
Child Enrichment Inc
Children’s Hospital Association
Children’s Place Inc.
Christ Church Presbyterian
Christ Community Health Clinic
Christian Heritage Church
Church of the Good Shepherd
Clara E. Jenkins Head Start School
Columbia Area Youth Football
Columbia County Animal Rescue
Columbia County Animal Services
Columbia County Board of Education
Columbia County Cares
Columbia County Chamber of Commerce
Columbia County Choral Society
Columbia County Community & Leisure Services
Columbia County Community Connections
Columbia County Forward Foundation
Columbia County West Rotary Club
Communities in Schools of Augusta
Community for Care & Counseling
Community Foundation of the CSRA
Congregation Children of Israel
Cookin’ For Kids
Couchton Volunteer Fire Department
Covenant Care Services, Inc.
Crestview Baptist Church
Crowning Lupus, LLC
CSRA Border Clash Charity
CSRA Business League
CSRA Parkinson’s Walk
CSRA Partnership for Community Health
CSRA Tennis Cancer Awareness Tournament
Dance Augusta Inc
Davidson Fine Arts School
East Georgia Easter Seals Inc
Edgefield United Methodist Church
Episcopal Day School
Evans High School
Evans Pop Warner
Exchange Club of Augusta
Exchange Club of North Augusta
Fairview Presbyterian Church
Family Promise of Augusta
Fellowship of Christian Athletes
First Baptist Church of Augusta
Fore! Augusta Foundation Inc
Fotas Aiken
Foundation for Therapeutic Options
Friends of Columbia County Library
Friends of St. Martin de Porres Food Pantry
Friends of the Animal Shelter
Friends of the Harlem Library
Future Successors, Inc
GAP Ministries
Georgia Health Sciences Foundation
Georgia Regents University
Georgia Regents University Alumni Association
Georgia Sheriffs’ Youth Home Inc
Georgia Southern College of Business
Gertrude Herbert Institute of Art
Girl Scouts of Historic Georgia
Golden Harvest Food Bank
Good Neighbor Ministries, Inc
Good Shepherd Episcopal Church
Goodwill Industries
Greenbrier High School
Grovetown High School
Grovetown Warriors Pop Warner
Gymnastics Gold Booster Club
Habitat for Humanity
Half Crazy Run for Ovarian Cancer
Harlem High School
Harry Jacobs Chamber Music Society
Heart and Sole Inc
Hephzibah High School
Hephzibah Lions Club
Hispanic American Cultural Association
Historic Augusta Inc
Hope Haven
Hopeful Hounds
Indo-American Cultural Association
Jack & Jill of America Inc, Augusta
Journey Community Church
Jud C. Hickey Center for Alzheimer’s Care
Juilliard in Aiken
Junior Achievement of Georgia
Kichlighter Academy
Kiokee Baptist Church
Knights of Columbus
Koinonia CDC
Ladies Ancient Order of Hibernians
Lakemont Presbyterian Church
Lakeside High School
Giving Back To Our Community for Over 25 Years.
Give Back 25
Lakeside Middle School
Laney Walker Development Corporation
Langford Middle School
Langley Church of God
Larry Bray Memorial Foundation
Le Chat Noir
Leadership Augusta
Leadership Columbia County
Leukemia & Lymphoma Society
Luv 4 Paws
M.A.D. Youth Ministries
Make A Difference 4 One Inc.
Make-A-Wish Foundation
Martinez-Evans Little League
Martinez-Evans Optimist Club Inc
Marvin United Methodist Church
Marybeth Regan Memorial Fund
Masters City Golf Association
Masters City Little League
Master’s Table Soup Kitchen
Men Encouraging Men Network (M.E.N.)
Merchants Association of Columbia County Inc
Miles for Cystic Fibrosis
Moms Club of Evans, GA
Morris Museum of Art
National Hills Baptist Church
National Wild Turkey Federation
New Bethlehem Community Center
New Hope Worship Center
North Augusta 2000
North Augusta Chamber of Commerce
North Augusta First Baptist Church
North Augusta Yellow Jacket Club
North Columbia Elementary School
Ouicare International, Inc
Our Redeemer Lutheran Church
Peak Employment Solutions
Pilot International
Pop Warner Football
Pride in Progress
Providence Baptist Church
Rebecca Erryn Moon Foundation
Reid Memorial Presbyterian Church
Richmond County Board of Education
Riverside Elementary School
Ronald McDonald House Charities
Rotary Club of Aiken
Rotary Club of Augusta, GA
Ryan Clark Scholarship Fund
Sacred Heart Cultural Center
Safe Homes of Augusta Inc
Savannah Riverkeepers
Sertoma Club of Augusta
Shine For Scott, Inc
Sisters Only Club
South Aiken Baptist Church School
South Augusta Exchange Club
South Augusta High School Mentor Program
South Carolina Lions Club
Southeastern Firefighters Burn Foundation
Southeastern Natural Sciences Academy
Southern Cross Sertoma Club
Springfield Baptist Church of Augusta, GA
St. Mary Help of Christians Catholic Church
Sure-Shot Basketball Camp
Tabernacle Baptist Church
Teen Missions International
That’s What Friends Are For, Inc
The Augusta Players Inc
The Augusta Rescue Mission Inc
The Family Y
The Hale Foundation Inc
The Lydia Project Inc
The Rosewood Club
The Salvation Army of Augusta
The Sanctuary of Augusta
The Widow’s Home
Trinity on the Hill United Methodist
UGA Alumni Association - Augusta Chapter
United Elite Basketball
United Methodist Children’s Home
United Way of Aiken County Inc
United Way of the CSRA Inc
University Health Care Foundation
Upward Basketball
Walton Foundation for Independence
Wesley United Methodist Church
West Acres Baptist Church
Westminster Day School Inc
Westside High School
When Help Can’t Wait
Whiskey Road Foxhounds
Whole Life Christian Academy
Women of Woodside Inc
Yancey Mental Health
Young Life Greater Augusta
Young Men’s Hebrew Association
2014 Annual Report
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F IN A NC IA L H IGH LIGH TS *
DOLLARS IN THOUSANDS
1,800,000
ASSETS
1,500,000
1,200,000
$1,652,251
$1,693,257
$1,741,271
300,000
$1,605,489
600,000
$1,575,360
900,000
‘10
‘11
‘12
‘13
‘14
1,000,000
LOANS
800,000
600,000
$860,936
$847,872
$880,565
$942,636
200,000
$902,346
400,000
‘10
‘11
‘12
‘13
‘14
1,500,000
DEPOSITS
1,200,000
$1,426,282
$1,451,693
$1,493,413
300,000
$1,406,494
600,000
$1,367,416
900,000
‘10
‘11
‘12
‘13
‘14
160,000
STOCKHOLDERS’
EQUITY
140,000
120,000
100,000
‘10
‘11
‘12
‘13
*Average balances used.
4
‘14
SE L E C T E D C O NS OLID A TED FINA NC IA L D A TA
DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA
2014
2013
2012
2011
2010
$60,950
8,886
52,064
3,492
19,030
43,488
16,632
$62,314
9,514
52,800
7,438
18,497
40,366
16,346
$63,670
12,034
51,636
8,141
21,494
44,068
14,435
$67,640
17,078
50,562
12,584
19,671
42,041
11,045
$69,874
23,998
45,876
15,801
21,086
41,815
6,856
$2.49
23.03
0.52
$2.45
19.70
0.39
$2.16
20.34
0.00
$1.65
17.53
0.00
$1.03
14.97
0.00
6,690,423
6,678,914
6,678,215
6,676,774
6,674,224
$1,741,271
942,636
1,493,413
144,740
$1,693,257
880,565
1,451,693
135,219
$1,652,251
847,872
1,426,282
126,605
$1,605,489
860,936
1,406,494
107,980
$1,575,360
902,346
1,367,416
100,719
$1,732,781
966,356
25,506
1,463,864
10,678
84,000
155,286
$1,689,326
905,713
26,409
1,454,803
2,355
84,000
131,569
$1,662,502
871,447
28,846
1,421,272
976
85,547
135,783
$1,614,773
846,010
29,046
1,419,222
701
61,947
117,029
$1,607,105
874,095
26,657
1,410,737
8,818
74,947
99,958
0.96%
11.49%
93.30%
63.12%
8.31%
3.20%
61.78%
0.47%
2.64%
0.97%
12.09%
93.20%
60.66%
7.99%
3.35%
55.52%
1.12%
2.92%
0.87%
11.40%
92.61%
59.45%
7.66%
3.37%
59.53%
0.98%
3.31%
0.69%
10.23%
92.34%
61.21%
6.73%
3.41%
59.65%
1.18%
3.43%
0.44%
6.81%
91.73%
65.99%
6.39%
3.18%
62.66%
1.27%
3.05%
14.97%
16.23%
9.86%
14.18%
15.44%
9.37%
13.66%
14.96%
8.87%
13.01%
14.39%
8.21%
12.14%
13.59%
7.39%
Earnings
Total interest income
Total interest expense
Net interest income
Provision for loan losses
Noninterest income
Noninterest expense
Net income
Per Share Data
Net income - Diluted
Book value
Cash dividends declared per common share
Weighted average common and common
equivalent shares outstanding
Selected Average Balances
Assets
Total loans (net of unearned income)
Deposits
Stockholders’ equity
Selected Year-End Balances
Assets
Loans (net of unearned income)
Allowance for loan losses
Deposits
Short-term borrowings
Long-term borrowings
Stockholders’ equity
Selected Ratios
Return 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
2014 Annual Report
5
CONS OL ID A TED B A LA NC E S H EETS
DOLLARS IN THOUSANDS, EXCEPT SHARE DATA
Dec. 31, 2014
Dec. 31, 2013
33,286 2,709 35,995 36,766
10,570
47,336
644,465 649,979
18,365 966,356 25,506 940,850 10,638
905,713
26,409
879,304
$
27,842 5,898 140 36,908 4,398 1,107 15,263 1,550 1,732,781 27,003
6,221
140 35,745
4,870
1,014
21,023
6,053
1,689,326
$
196,624 187,287
354,038 521,570 15,824 375,808 1,463,864 351,799
521,656
16,065
377,996
1,454,803
10,678 64,000 18,953 20,000 1,577,495 808
64,000
16,599
21,547
1,557,757
— — 20,235 63,096 71,902 20,041
62,863
58,769
(18) 71 155,286 (3)
(10,101)
131,569
Assets
Cash and due from banks
Interest-bearing deposits in other banks
Cash and cash equivalents
$
Available-for-sale securities
Loans held for sale
Loans
Less allowance for loan losses
Loans, net
Premises and equipment, net
Accrued interest receivable
Goodwill, net
Bank-owned life insurance
Restricted equity securities
Other real estate owned
Deferred tax asset
Other assets
Liabilities and Stockholders’ Equity
Deposits:
Noninterest-bearing
Interest-bearing:
NOW accounts
Savings
Money management accounts
Time deposits
Securities sold under repurchase agreements
Advances from Federal Home Loan Bank
Accrued interest payable and other liabilities
Subordinated debentures
Total liabilities
Stockholders’ equity:
Preferred stock, no par value; 10,000,000 shares
authorized; 0 shares outstanding in 2014
and 2013, respectively
Common stock, $3.00 par value; 10,000,000 shares
authorized; 6,744,891 and 6,680,225 shares issued in
2014 and 2013, respectively; 6,744,160 and 6,679,982
shares outstanding in 2014 and 2013, respectively
Additional paid-in capital
Retained earnings
Treasury stock, at cost; 731 and 243 shares in
2014 and 2013, respectively
Accumulated other comprehensive income (loss), net
Total stockholders’ equity
$1,732,781 6
1,689,326
C ONSOL ID A T E D ST A T E MENTS OF C OM PR EH ENS IV E INC OM E (LOS S )
DOLLARS IN THOUSANDS, EXCEPT SHARE DATA
YEARS ENDED DECEMBER 31,
2014
Interest Income:
Loans, including fees
$
46,444 Investment securities:
Taxable
11,868 Tax-exempt
2,571 67 Interest-bearing deposits in other banks
Total interest income
60,950 Interest Expense:
Deposits 6,252 Securities sold under repurchase agreements
5 2,629 Other borrowings
Total interest expense
8,886 Net Interest Income
52,064 3,492 Provision for loan losses
Net interest income after provision for loan losses
48,572 Noninterest income:
Service charges and fees on deposits
7,180 Gain on sales of loans
5,465 Gain on sale of fixed assets, net
64 Investment securities gains (losses), net (includes $825, ($895) and $312 accumulated other comprehensive
income (loss) reclassifications for unrealized gains
(losses) on available-for-sale securities)
825 Other-than-temporary loss
Total impairment loss
— Less loss recognized in other comprehensive income
— Net impairment loss recognized in earnings
— Retail investment income
2,188 Trust services fees
1,310 Earnings from cash surrender value of bank-owned
life insurance
1,163 835 Miscellaneous income
Total noninterest income
19,030 Noninterest expense:
Salaries and other personnel expense
25,047 Occupancy expenses
4,000 Other real estate losses, net
228 14,213 Other operating expenses
Total noninterest expense
43,488 Income before income taxes
24,114 7,482 Income tax expense
Net income $
16,632 Other comprehensive income (loss):
Unrealized gain (loss) on derivatives
(1,191) Unrealized gain (loss) on securities available-for-sale
18,664 Reclassification adjustment for realized (gain) loss
on securities, net of OTTI
(825) (6,476) Tax effect
Total other comprehensive income (loss)
10,172 Comprehensive income (loss)
$
26,804 Basic net income per share
$
2.49 Diluted net income per share
2.49 Weighted average common shares outstanding
6,681,220 Weighted average number of common and common equivalent shares outstanding
6,690,423 2013
2012
46,479 46,693 12,918 2,846 71 62,314 14,358 2,537 82 63,670 6,794 6 2,714 9,514 9,425 12 2,597 12,034 52,800 7,438 45,362 51,636 8,141 43,495 7,155 6,843 26 6,849 9,368 10 (895) 321 — — — 2,099 1,185 (13) (4) (9) 1,941 1,146 1,187 897 18,497 1,112 756 21,494 23,079 3,722 642 12,923 40,366 23,493 7,147 16,346 25,889 4,094 1,785 12,300 44,068 20,921 6,486 14,435 1,648 (32,090) (154) 7,530 895 11,494 (18,053) (1,707) (312) (2,748) 4,316 18,751 2.45 2.45 6,678,914 2.16 2.16 6,678,215 6,678,914 6,678,215 2014 Annual Report
7
Executive Committee
STANDING (LEFT TO RIGHT):
Charles B. Thompson, III
Jay B. Forrester
Group Vice President, Wealth Management
Executive Vice President & Chief Loan Officer
Regina W. Kennedy
Robert C. Osborne, Jr.
Group Vice President, Bank Operations
Executive Vice President, Private Banking & Government
Darrell R. Rains
Relations
Group Vice President & Chief Financial Officer
L. Bart Chandler
8
Group Vice President, Mortgage
SEATED (LEFT TO RIGHT):
James R. Riordan, Jr.
R. Daniel Blanton
Group Vice President & Chief Risk Officer
Paula E. Tankersley
Ronald L. Thigpen
Group Vice President, Retail Banking
President & Chief Operating Officer
Georgia Bank & Trust Officers
R. Daniel Blanton
Ronald L. Thigpen
Jay B. Forrester
Robert C. Osborne, Jr.
L. Bart Chandler
President
& Chief Operating Officer
Executive Vice President
& Chief Loan Officer
Executive Vice President,
Private Banking & Government
Relations
Group Vice President,
Mortgage
Regina W. Kennedy
Darrell R. Rains
James R. Riordan, Jr.
Paula E. Tankersley
Charles B. Thompson, III
Bank Operations
Group Vice President
& Chief Financial Officer
Group Vice President
& Chief Risk Officer
Retail Banking
Wealth Management
A. Loran Adams
A. Thomas Balk
Robert S. Bissell, Jr.
T. Jeff Dorn
K. Michael Epps
Senior Vice President,
Internal Auditor
Mortgage Operations
Senior Vice President
& Relationship Manager
M. Ruthie Faircloth
Sonya M. Hanson
J. Robert Horan, III
James L. Jones
Marketing Director
Special Projects
Patrick M. Kingsmill
& Trust Officer
2014 Annual Report
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10
Walter H. Massingale
Angela J. Morales
BSA Officer
Charles O. Parker
Mary Anne Plunkett
Sarah C. Poff
Credit Administration
Compliance Director
T. Clint Waller
Sherry C. Wiggins
Mark J. Wills
Frankie M. Wright
Denise F. Bargeron
Construction Lending
Information Technology
Human Resources & Training
Vice President,
Deposit Operations
R. Scott Benjamin
W. Wayne Bissell
R. Daniel Blanton, Jr.
Brent M. Bull
Helen T. Caldwell
Vice President,
Investments
Vice President,
Investments
Vice President
Vice President
Vice President
Andrea J. Carlson
Timothy S. Cole
Toni Ann Counts
Dorothey G. Cunningham
W. Jody Griffith
Vice President
& Credit Analyst
Vice President,
Branch Operations
Vice President,
Vice President
& Mortgage Compliance Officer
Vice President
Winston D. Hancock
Donna M. Hess
Carolyn T. Hodge
Barbara S. Howell
Patricia D. Keith
Vice President,
Vice President,
Vice President
& Trust Officer
Vice President,
Mortgage, Wholesale & Retail
Vice President,
Loan Documentation
Christopher T. McLaughlin
Paula B. Mobley
Donna M. Moody
Jill C. Moxley
Michelle A. Redd
Vice President,
Vice President,
Construction Lending, Savannah
Vice President,
Mortgage Post Closing
Vice President
& Portfolio Manager
Vice President,
Electronic Banking
Gerald T. Rogers
Larry O. Sides
Barbara D. Star
Judith T. Thompson
Susan A. Wright
Vice President,
Investments
Vice President
Vice President
& Controller
Vice President,
Security
Vice President
& Office Manager, Savannah
Donna B. Zuehlke
D. Mark Allen
Joe H. Attaway
Nicholas R. Blume
Phillip J. Cerrillo, Jr.
Vice President,
Loan Servicing
Assistant Vice President,
Facilities
Assistant Vice President
& Office Manager
& Office Manager
2014 Annual Report
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12
Diane L. Cooper
Winser L. Exum
Teresa B. Jenks
Human Resources
& Customer Care Manager
& Office Manager
John L. Kennedy, III
Ricky O. Mays, Jr.
Katie L. Newton
Levi A. Pollard, VI
Rhoda L. Restivo
Lourdes I. Sellars
Melissa L. Simmons
& Office Manager
& Systems Analyst
Finance
& Office Manager
Accounting
Mary J. Steele
Monique J. Wynn
Michelle A. Adams
DeAndre M. Beasley
D. Carleen Benjamin
CRM Coordinator
& Office Manager
Marketing Officer
Mortgage Loan
Officer
Mortgage Loan
Officer
C. Ashby Bethune
Sonyia C. Cannady
Posie B. Carey
John T. Chandler, Jr.
Melynda R. Cleveland
Credit Administration Officer
Mortgage Loan Officer,
Savannah
Accounting Officer,
Tax
Mortgage Loan
Officer
Mortgage Loan
Officer
Debra L. Dakuras
Cynthia A. Eber
Malinda L. Howell
Angela S. Hubble
Georgetta S. Kirkley
Banking Officer
& Office Manager
Mortgage Loan
Officer
Mortgage Loan Officer
Banking Officer
& Office Manager
Savannah
Mary O. Lewis
Melinda H. McRee
Kendra N. Patrick
Mary C. Pickett
Jonathon P. Renew
Mortgage Loan
Officer
Investment
Officer
Electronic Banking
Officer
Collections
& Recovery Officer
Officer
Angela C. Scott
Nancy K. Sheahan
Loretta H. Smith
Mary D. Snead
Ellen Spivey
Banking Officer
& Office Manager
Accounting
Officer
Training
Officer
Trust Officer
Savannah
Brandy H. Spradley
Paula T. Troupe
Christopher R. Utley
Travis E. Wright
Mortgage Officer,
Secondary Marketing
Mortgage Loan
Officer
Credit Administration Officer
Mortgage Loan
Officer
2014 Annual Report
13
Southern Bank & Trust Officers
14
Frank A. Townsend, III
Susan B. Yarborough
Ben L. Newman, Jr.
Aiken County
President
Aiken County
Executive Vice President
Jason A. Davis
Kevin W. Toole
Tina M. Bevell
Vice President,
Vice President
& Office Manager
Ashley M. Bagby
Gregory D. Warfield
Banking Officer
& Office Manager
Mortgage Loan
Officer
Georgia Bank & Trust Board of Directors
Randolph R. Smith, M.D.*
E. G. Meybohm*
William J. Badger*
James G. Blanchard, Jr.
R. Daniel Blanton*
Physician,
Augusta Plastic Surgery
Associates, PC
Vice Chairman of the Board for
Southeastern Bank Financial Corp.
President,
Meybohm Realty, Inc.
Vice Chairman of the Board
President,
Howard Lumber Company
Superior Court Judge
& Georgia Bank & Trust
Braye C. Boardman
Raymond D. Brown
President & CEO,
Beacon Blue, LLC
Chairman of the Board,
R.D. Brown Contractors, Inc.
Patrick D. Cunning*
Warren A. Daniel*
Terry D. Elam
President,
Woodside - Aiken Realty
Financial Representative,
The Northwestern Mutual
Financial Network
President,
Augusta Technical College
Jeffrey W. Foley
Grey B. Murray
Karyn C. Nixon
Robert W. Pollard, Jr.*
R. Joseph Pollock
President,
United Brokerage Company, Inc.
Government Relation &
Community Affairs Sepcialist
Georgia Regents University
President & CEO
Loral Mountain Solutions, LLC
Larry S. Prather*
President,
Prather Construction
Company, Inc.
President,
Pollard Lumber Company, Inc.
President,
Pollock Company
& Pollock Financial Services
Ronald L. Thigpen*
John W. Trulock, Jr.*
William Dunn Wansley
President & COO,
& Georgia Bank & Trust
The Trulock Company
President & CEO
J. C. Dunn Properties
*Denotes Director of Southeastern Bank Financial Corporation and Georgia Bank & Trust.
2014 Annual Report
15
Southern Bank & Trust Advisory Board
Raymond D. Brown**
Randy W. Cooper, M.D.
Patrick D. Cunning*
Chairman of the Board,
R.D. Brown Contractors, Inc.
Surgeon,
University Surgical Associates
President,
Woodside - Aiken Realty
Steven E. Floyd
Gary L. McElmurray
W. Greg Ryberg
President,
Prism, Inc. - Parent Company
of Floyd & Green
President,
McElmurray Construction and
Southern Grading & Paving
CEO,
REI, Inc.
Lionel V. Smith
J. Strom Thurmond, Jr.
Frank A. Townsend, III
Founder,
Lionel Smith Ltd.
Solicitor,
2nd Judicial Court
Aiken County President
Southern Bank & Trust
*Denotes Director of Southeastern Bank Financial Corporation and Georgia Bank & Trust. **Denotes Director of Georgia Bank & Trust.
16
Legal Counsel
Mr. Walt Moeling
Mr. Byrd Warlick
Bryan Cave LLP
Warlick Tritt Stebbins & Murray LLC
One Atlantic Center, 14th Floor
209 7th Street, Third Floor
1201 West Peachtree Street, NW
Augusta, Georgia 30901
Atlanta, Georgia 30309-3488
Copies of the 2014 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.
GB&T Locations
SB&T Locations
Mortgage Locations
Cotton Exchange Office
Laurens Street Office
Aiken Mortgage Offices
32 8th Street
149 Laurens Street NW
149 Laurens Street NW
Augusta, GA 30901
Aiken, SC 29801
Aiken, SC 29801
706-432-3332
803-649-4240
803-634-8440
Evans Express Office
North Augusta Office
1001 Pine Log Road
4440 Washington Road
336 Georgia Avenue, Suite 104
Aiken, SC 29803
Evans, GA 30809
North Augusta, SC 29841
803-649-8552
706-863-0321
803-278-1421
Augusta Mortgage Offices
Evans Office
South Aiken Office
3515 Wheeler Road, Building A
627 Ronald Reagan Drive
1001 Pine Log Road
Augusta, GA 30909
Evans, GA 30809
Aiken, SC 29803
706-739-1780
706-854-6270
803-649-0649
4109 Columbia Road
Fury’s Ferry Office
409 Fury’s Ferry Road
Martinez, GA 30907
706-650-0409
Main Office
3530 Wheeler Road
Augusta, GA 30909
706-738-6990
Martinez Office
ATM Locations
Surrey Center
495-A Highland Avenue
Augusta, GA 30904
Tobacco Road
2570 Tobacco Road
Hephzibah, GA 30815
ATMs available at all
branch locations
4109 Columbia Road
Martinez, GA 30907
706-863-2583
North Augusta Mortgage Office
336 Georgia Avenue, Suite 104
North Augusta, SC 29841
803-278-2637
Savannah Mortgage Office
6605 Abercorn Street, Suite 111
Savannah, GA 31405
912-355-9902
Martinez, GA 30907
706-863-2583
Medical Center Office
1530 Walton Way
Augusta, GA 30904
706-821-1530
Southside Office
3111 Peach Orchard Road
Augusta, GA 30906
Grovetown Office
Coming 2016
706-790-3111
Washington Road Office
3133 Washington Road
Augusta, GA 30907
706-860-3133
www.georgiabankandtrust.com | www.southernbandt.com
Southern Bank & Trust, a Division of Georgia Bank & Trust

SOUTHEASTERN BANK FINANCIAL CORPORATION

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