425

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K/A

(Amendment No. 1)

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (date of earliest event reported): April 25, 2013

Bryn Mawr Bank Corporation

(Exact Name of Registrant as specified in its charter)

Pennsylvania	001-35746	23-2434506
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

801 Lancaster Avenue, Bryn Mawr, PA 19010

Registrant’s telephone number, including area code: 610-525-1700

None

(Former name or former address, if changed since last report)

Check the appropriate box below if the form 8-K filing is intended to simultaneously satisfy the filing obligations of the registrant under any of the following provisions (see General Instructions A.2. below):

x Written communications pursuant to Rule 425 under the Securities Act (17CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c))

EXPLANATORY NOTE

Bryn Mawr Bank Corporation is filing this Amendment No. 1 on Form 8-K/A (this “Amendment”) to amend its current report on Form 8-K as filed with the Securities and Exchange Commission (the “Commission”) on April 25, 2013 (the “Original Filing”). The Corporation issued a press release announcing its financial results for the quarter ended March 31, 2013, a copy of which Press Release was furnished under Item 9.01 of the Original Filing. The purpose of this Amendment is to remove pages 11, 12, 19 and 20 that had been inadvertently included in the Press Release furnished in the Original Filing and was not included with the information that transmitted on GlobeNewswire. The information transmitted on GlobeNewswire was correct.

Item 2.02. Disclosure of Results of Operations and Financial Condition.

On April 25, 2013, Bryn Mawr Bank Corporation (the “Corporation”), the parent of The Bryn Mawr Trust Company (the “Bank”) issued a Press Release announcing the results of operations for the quarter ending March 31, 2013. The Press Release, attached as Exhibit 99.1 hereto and incorporated herein by reference, is being furnished to the SEC and shall not be deemed to be “filed” for any purpose.

On April 26, 2013, the Corporation issued an amended 8-K to remove pages from the Press Release that had been inadvertently included in the Original Filing as explained above under the Explanatory Note.

Item 8.01. Other Events

The information in Item 2.02 is incorporated into this Item 8.01 by reference.

Item 9.01. Financial Statements and Exhibits

(d) 99.1 — Press Release announcing the results of operations for the quarter ending March 31, 2013.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

BRYN MAWR BANK CORPORATION
By:	/s/ Frederick C. Peters II
	Frederick C. Peters II, President and Chief Executive Officer

Date: April 26, 2013

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EXHIBIT INDEX

Exhibit 99.1 — Press Release announcing the results of operations for the quarter ending March 31, 2013

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EX-99.1

Exhibit 99.1

Bryn Mawr Bank Corporation

FOR RELEASE: IMMEDIATELY	Ted Peters, Chairman
FOR MORE INFORMATION CONTACT:	610-581-4800
	J. Duncan Smith, CFO
	610-526-2466

Bryn Mawr Bank Corporation Reports First Quarter Earnings of $5.3 Million, Declares $0.17 Dividend

BRYN MAWR, Pa., April 25, 2013 - Bryn Mawr Bank Corporation (NASDAQ: BMTC), (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”), today reported net income of $5.3 million and diluted earnings per share of $0.40 for the three months ended March 31, 2013, as compared to net income of $5.1 million and diluted earnings per share of $0.39 for the same period in 2012. Net income for the three months ended March 31, 2013 included pre-tax due diligence and merger-related expenses of $714 thousand as compared to $209 thousand for the same period in 2012.

Significant factors contributing to the results for the three months ended March 31, 2013, as compared to the same period in 2012, included increases in net interest income, wealth management revenues and net gain on sale of residential mortgage loans. These improvements were partially offset by increases in salaries and benefits expense, occupancy costs, due diligence and merger-related expenses and other operating expenses.

Ted Peters, Chairman and Chief Executive Officer, commented, “As our first quarter results show, we managed to sustain the strong quarterly performance that we delivered throughout last year. We anticipate continued improvement through 2013.”

As announced on March 29, 2013, the Corporation has entered into a definitive agreement and plan of merger with MidCoast Community Bancorp, Inc (“MCBI”), pursuant to which MCBI will merge with and into the Corporation. The transaction is expected to close late in the third quarter of 2013 and is subject to the normal regulatory and MCBI shareholder approvals. Mr. Peters continued, “We look forward to working with our colleagues at MidCoast and anticipate a smooth closing later this year.”

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On April 25, 2013, the Board of Directors of the Corporation declared a quarterly dividend of $0.17 per share. The dividend is payable June 1, 2013 to shareholders of record as of May 7, 2013.

SIGNIFICANT ITEMS OF NOTE

Results of Operations - 1^st Quarter 2013 Compared to 1^st Quarter 2012

• The overall results for the three months ended March 31, 2013, as compared to the same period in 2012, were affected by the May 2012 acquisition of the Davidson Trust Company (“DTC”) and the November 2012 acquisition of deposits, loans and a branch location from First Bank of Delaware (“FBD”).

• Net income of $5.3 million for the three months ended March 31, 2013 increased $247 thousand, or 4.9%, from $5.1 million for the same period in 2012.

• Net interest income for the three months ended March 31, 2013 was $17.4 million, an increase of $1.4 million, or 8.9%, from $16.0 million for the same period in 2012. The increase in net interest income between the periods was related to an 8.0% increase in average portfolio loans. This increase was primarily related to the acquisition of loans from FBD, which totaled $76.6 million at the time of the transaction. In addition, the Corporation’s strategic decisions to prepay $22.5 million of subordinated debt during the third and fourth quarters of 2012 and $20.0 million of Federal Home Loan Bank (“FHLB”) borrowings in the first quarter of 2013, along with the 16 basis point decline in rate paid on deposits, contributed significantly to the $941 thousand decrease in interest expense for the three months ended March 31, 2013, as compared to the same period in 2012.

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• Revenue from wealth management services for the three months ended March 31, 2013 was $8.3 million, a $2.1 million increase, or 34.0%, from the $6.2 million generated in the same period in 2012. Wealth Management Division assets under management, administration, supervision and brokerage as of March 31, 2013 were $7.0 billion, an increase of $1.8 billion, or 35.6%, from March 31, 2012. The increase was partially due to the May 2012 acquisition of DTC, which initially added approximately $1.0 billion to the Corporation’s assets under management, administration, supervision and brokerage. In addition, organic growth related to strategic initiatives within the division, along with market appreciation, contributed to the growth.

• In addition to the increase in revenue for wealth management services mentioned above, non-interest income was also impacted by a $348 thousand increase on the gain on sale of residential mortgage loans. The volume of residential mortgage loans sold for the three months ended March 31, 2013 increased $17.6 million, or 51.8%, as compared to the same period in 2012.

• Non-interest expense for the three months ended March 31, 2013 increased $3.4 million, to $20.2 million, as compared to $16.8 million for the same period in 2012. Contributing to this increase were a $505 thousand increase in due diligence and merger-related expenses, a $1.5 million increase in salaries and benefits, a $375 thousand increase in occupancy costs and a $1.4 million increase in other operating expenses between the periods. Salaries and benefits increased primarily as a result of the DTC acquisition and the addition of the branch and lending staff from FBD, an increase in incentive-based compensation related to residential mortgage loan sales as well as annual salary increases. The increased occupancy costs were related to the additions of DTC and FBD, in addition to the newly-opened full-service branch in Bala Cynwyd, Pennsylvania, which opened at the end of 2012. Partially offsetting these cost increases was a $570 thousand gain recognized on the curtailment of a nonqualified defined-benefit pension plan which was curtailed on January 1, 2013.

• The $1.4 million increase in other operating expenses for the three months ended March 31, 2013, as compared to the same period in 2012 included a $347 thousand prepayment

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penalty related to the early payoff of FHLB borrowings. In addition, outsourced services, which included internal audit and IT support, accounted for a $347 thousand increase in the category between the periods, as well as increases of $166 thousand and $242 thousand in computer processing and telecommunications expense, respectively. The outsourced services, computer processing and telecommunications are expected to continue, as the Corporation is undertaking several technology infrastructure upgrades.

• The tax-equivalent net interest margin of 3.85% for the three months ended March 31, 2013 was an 8 basis point decrease from the 3.93% tax-equivalent net interest margin for the same period in 2012. The 8 basis point decrease was the result of a $202.2 million increases in the average interest-earning assets and a $109.8 million increase in average interest-bearing liabilities which were offset by declines of 35 basis points and 33 basis points, in their tax-equivalent yield earned, and rate paid, respectively, between the periods. The incremental increase in average interest-earning assets of $202.2 million resulted in an increase in tax-equivalent net interest income of $1.4 million, representing an incremental tax-equivalent net interest margin of 2.90%. A significant portion of this increase in average interest-earning assets between periods was $78.8 million of interest-bearing deposits with other banks earning an average yield of only 24 basis points.

• Nonperforming loans and leases of $12.8 million as of March 31, 2013 were 0.91% of total portfolio loans and leases, as compared $22.6 million, or 1.73% of total portfolio loans and leases as of March 31, 2012. This significant decrease in nonperforming loans was concentrated in the commercial and industrial and construction segments of the portfolio. For the three months ended March 31, 2013, the Corporation recorded net loan and lease charge-offs of $782 thousand, as compared to $713 thousand for the same period in 2012. The provision for loan and lease losses for the three months ended March 31, 2013 was $804 thousand, as compared with $1 million for the same period in 2012.

Results of Operations - 1^st Quarter 2013 Compared to 4^th Quarter 2012

• Net income of $5.3 million for the three months ended March 31, 2013 was virtually unchanged from the $5.3 million recorded for the three months ended December 31, 2012.

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• Net interest income for the three months ended March 31, 2013 was $17.4 million, an increase of $513 thousand, or 3.0%, from $16.9 million for the three months ended December 31, 2012. The increase in net interest income between the periods was related to a $57.8 million increase, or 4.3%, in average portfolio loans. This increase was primarily related to the acquisition of loans from FBD, which totaled $76.6 million at the time of the transaction. In addition, the Corporation’s strategic decision to prepay $20.0 million of FHLB borrowings in January 2013, along with its continued effort to monitor deposit rates, contributed significantly to the $340 thousand decrease in interest expense for the three months ended March 31, 2013, as compared to the three months ended December 31, 2012.

• Non-interest income for the three months ended March 31, 2013 decreased $1.4 million as compared to the three months ended December 31, 2012 as gains on sale of residential mortgage loans declined $906 thousand, or 37.4%, between the periods. This decline was directly related to the volume of residential mortgage loans sold, which totaled $51.8 million for the three months ended March 31, 2013, as compared to $71.6 million for the three months ended December 31, 2012. Also, gain on sale of available for sale investment securities decreased by $281 thousand between the periods, as there were minimal sales of investment securities during the three months ended March 31, 2013. Revenues for wealth management services remained relatively unchanged for the three months ended March 31, 2013 as compared to the three months ended December 31, 2012, as the effects of the new business that was added during the first quarter of 2013 has not yet been realized.

• Non-interest expense for the three months ended March 31, 2013 decreased $854 thousand, to $20.2 million, as compared to $21.1 million for the three months ended December 31, 2012. The decrease was attributable to the $570 thousand gain on curtailment of a nonqualified executive pension plan, due diligence and merger-related expense reductions of $476 thousand between periods, and lower professional fees, which showed a decrease of $456 thousand, primarily related to legal fees. Partially offsetting these cost reductions was a $407 thousand increase in other operating expenses between the periods, largely related to increases in outsourced services, which included

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internal audit and IT support, accounting for a $248 thousand increase in the category, as well as a $253 thousand increase in telecommunications expense. The IT support and telecommunications cost increases are related to technology infrastructure enhancements which include an increase in the Bank’s data line bandwidth.

• The tax-equivalent net interest margin of 3.85% for the three months ended March 31, 2013 was nearly unchanged from the three months ended December 31, 2012. The tax-equivalent yield earned and rate paid on interest-earning assets and interest-bearing liabilities, respectively, both declined by 11 basis points between the periods.

• Nonperforming loans and leases as of March 31, 2013 were 0.91% of total portfolio loans and leases, as compared to 1.06% as of December 31, 2012. For the three months ended March 31, 2013, the Corporation recorded net loan and lease charge-offs of $782 thousand, as compared to $214 thousand for the three months ended December 31, 2012. The decline in nonperforming loans and leases resulted from charge-offs as well as $1.0 million of nonperforming loans which paid off during the three months ended March 31, 2013. The provision for loan and lease losses for the three months ended March 31, 2013 was $804 thousand, as compared with $1 million for the three months ended December 31, 2012.

• Delinquent loans and leases in the 30 to 89 day past due category increased by $2.1 million as of March 31, 2013 as compared to December 31, 2012. This increase was primarily in the commercial and industrial loan category and was largely related to one lending relationship which matured at the end of 2012 and is in the process of refinancing with another lender.

Financial Condition - March 31, 2013 Compared to December 31, 2012

• Deposits of $1.61 billion, as of March 31, 2013, decreased $24.0 million from December 31, 2012. The 1.5% decrease was comprised of decreases of $47.0 million and $13.4 million in time deposits and wholesale deposits, respectively, partially offset by increases of $29.0 million and $7.8 million in market-rate and non-interest-bearing deposits, respectively, between the dates.

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• The allowance for loan and lease losses, as of both March 31, 2013 and December 31, 2012 was $14.4 million, or 1.03% of portfolio loans and leases.

• The capital ratios for the Bank and the Corporation, as shown in the table at page 14 below, indicate levels well above the regulatory minimum to be considered “well capitalized.” In particular, the tangible equity ratios for both the Bank and the Corporation have improved from their December 31, 2012 levels, to 8.11% and 7.98%, respectively. These increases were primarily the result of increases in retained earnings and decreases in accumulated other comprehensive losses between the dates.

• Total assets as of March 31, 2013 of $2.03 billion declined slightly from $2.04 billion as of December 31, 2012.

• Total portfolio loans and leases of $1.41 billion, as of March 31, 2013 remained relatively unchanged from December 31, 2012 as increases in commercial mortgages and commercial and industrial loans were substantially offset by declines in home equity lines and loans. The current low-interest rate environment has prompted many home equity borrowers to refinance to fixed-rate residential mortgage products which are then sold into the secondary market.

EARNINGS CONFERENCE CALL

The Corporation will hold an earnings conference call at 8:30 a.m. EDT on Friday, April 26, 2013. Interested parties may participate by calling 1-888-317-6016. A taped replay of the conference call will be available one hour after the conclusion of the call and will remain available through May 13, 2013. The number to call for the taped replay is 1-877-344-7529 and the Replay Passcode is 10026844.

The conference call will be simultaneously broadcast live over the Internet through a webcast on the investor relations portion of the Bryn Mawr Bank Corporation’s website. To access the call, please visit the website at http://www.bmtc.com/investor_01.cfm. An online archive of the webcast will be available within one hour of the conclusion of the call. The Corporation has also

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recently expanded its Investor Relations website to include added resources and information for shareholders and interested investors. Interested parties are encouraged to utilize the expanded resources of the site for more information on Bryn Mawr Bank Corporation.

FORWARD LOOKING STATEMENTS AND SAFE HARBOR

This press release contains statements which, to the extent that they are not recitations of historical fact may constitute forward-looking statements for purposes of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended. Such forward-looking statements may include financial and other projections as well as statements regarding the Corporation’s future plans, objectives, performance, revenues, growth, profits, operating expenses or the Corporation’s underlying assumptions. The words “may,” “would,” “should,” “could,” “will,” “likely,” “possibly,” “expect,” “anticipate,” “intend,” “estimate,” “target,” “potentially,” “probably,” “outlook,” “predict,” “contemplate,” “continue,” “plan,” “forecast,” “project,” “are optimistic,” “are looking,” “are looking forward” and “believe” or other similar words and phrases may identify forward-looking statements. Persons reading this press release are cautioned that such statements are only predictions, and that the Corporation’s actual future results or performance may be materially different.

Such forward-looking statements involve known and unknown risks and uncertainties. A number of factors, many of which are beyond the Corporation’s control, could cause our actual results, events or developments, or industry results, to be materially different from any future results, events or developments expressed, implied or anticipated by such forward-looking statements, and so our business and financial condition and results of operations could be materially and adversely affected. Such factors include, among others, our need for capital, our ability to control operating costs and expenses, and to manage loan and lease delinquency rates; the credit risks of lending activities and overall quality of the composition of our loan, lease and securities portfolio; the impact of economic conditions, consumer and business spending habits, and real estate market conditions on our business and in our market area; changes in the levels of general interest rates, deposit interest rates, or net interest margin and funding sources; changes in banking regulations and policies and the possibility that any banking agency approvals we might require for certain activities will not be obtained in a timely manner or at all or will be conditioned in a manner that would impair our ability to implement our business plans; changes in accounting policies and practices; the inability of key third-party providers to perform their

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obligations to us; our ability to attract and retain key personnel; competition in our marketplace; war or terrorist activities; material differences in the actual financial results, cost savings and revenue enhancements associated with our acquisitions; and other factors as described in our securities filings. All forward-looking statements and information set forth herein are based on Management’s current beliefs and assumptions as of the date hereof and speak only as of the date they are made. The Corporation does not undertake to update forward-looking statements.

For a complete discussion of the assumptions, risks and uncertainties related to our business, you are encouraged to review our filings with the Securities and Exchange Commission, including our most recent annual report on Form 10-K, as well as any changes in risk factors that we may identify in our quarterly or other reports filed with the SEC.

# # # #

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Bryn Mawr Bank Corporation

Consolidated Statements of Income - (unaudited)

(Dollars in thousands, except per share data)

	For The Three Months Ended
	Mar 31,			Dec 31,			Sep 30,			Jun 30,			Mar 31,
	2013			2012			2012			2012			2012
Interest income	$	18,855		$	18,682		$	18,081		$	18,188		$	18,372
Interest expense		1,446			1,786			2,130			2,285			2,387
Net interest income		17,409			16,896			15,951			15,903			15,985
Provision for loan and lease losses		804			1,000			1,000			1,003			1,000
Net interest income after provision for loan and lease losses		16,605			15,896			14,951			14,900			14,985
Fees for wealth management services		8,349			8,365			7,993			7,211			6,229
Loan servicing and other fees		451			473			432			436			435
Service charges on deposits		584			654			634			609			580
Net gain on sale of residential mortgage loans		1,518			2,424			1,837			1,304			1,170
Net gain on sale of available for sale investments		2			283			416			716			—
Net loss on sale of other real estate owned		(52	)		—			(45	)		—			(41	)
BOLI income		113			98			108			105			118
Other operating income		825			873			873			1,000			1,096
Non-interest income		11,790			13,170			12,248			11,381			9,587
Salaries and wages		8,810			8,848			8,703			8,075			7,505
Employee benefits		2,325			2,041			1,903			2,023			2,160
Net gain on curtailment of nonqualified pension plan		(570	)		—			—			—			—
Occupancy and bank premises		1,750			1,616			1,488			1,395			1,375
Furniture fixtures and equipment		819			961			935			940			891
Advertising		412			363			267			359			320
Net impairment (recovery) of mortgage servicing rights		71			81			105			87			(110	)
Amortization of mortgage servicing rights		212			248			243			256			219
Intangible asset amortization		661			673			669			560			509
FDIC insurance		258			255			262			234			219
Due diligence and merger-related expenses		714			1,190			316			914			209
Professional fees		575			1,031			609			571			657
Early extinguishment of debt costs and premiums		347			338			188			—			—
Other operating expenses		3,851			3,444			3,201			2,714			2,841
Non-interest expense		20,235			21,089			18,889			18,128			16,795
Income before income taxes		8,160			7,977			8,310			8,153			7,777
Income tax expense		2,840			2,673			2,885			2,808			2,704
Net income	$	5,320		$	5,304		$	5,425		$	5,345		$	5,073
Per share data:
Weighted average shares outstanding		13,205,538			13,157,295			13,149,050			13,072,963			12,979,746
Dilutive common shares		230,413			205,545			146,377			158,570			147,502
Adjusted weighted average dilutive shares		13,435,951			13,362,840			13,295,427			13,231,533			13,127,248
Basic earnings per common share	$	0.40		$	0.40		$	0.41		$	0.41		$	0.39
Diluted earnings per common share	$	0.40		$	0.40		$	0.41		$	0.40		$	0.39
Dividend declared per share	$	0.17		$	0.16		$	0.16		$	0.16		$	0.16
Effective tax rate		34.8	%		33.5	%		34.7	%		34.4	%		34.8	%

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Bryn Mawr Bank Corporation

Consolidated Balance Sheets - (unaudited)

(Dollars in thousands)

	Mar 31,			Dec 31,			Sep 30,			June 30,			Mar 31,
	2013			2012			2012			2012			2012
Assets
Interest-bearing deposits with banks	$	136,534		$	159,483		$	23,559		$	68,324		$	55,759
Investment securities - available for sale		327,799			316,614			316,644			331,407			328,215
Investment securities - trading		2,168			1,447			1,399			1,342			1,556
Loans held for sale		3,233			3,412			3,420			1,668			5,784
Portfolio loans:
Consumer		18,725			17,666			17,342			15,920			13,644
Commercial & industrial		293,171			291,620			274,351			264,116			270,766
Commercial mortgages		563,431			546,358			472,354			445,254			430,896
Construction		26,135			26,908			22,161			33,815			51,274
Residential mortgages		284,819			288,212			301,054			304,249			306,911
Home equity lines & loans		183,984			194,861			195,315			202,676			202,015
Leases		34,974			32,831			31,136			30,549			28,974
Total portfolio loans and leases		1,405,239			1,398,456			1,313,713			1,296,579			1,304,480
Earning assets		1,874,973			1,879,412			1,658,735			1,699,320			1,695,794
Cash and due from banks		12,013			16,203			13,526			13,147			11,939
Allowance for loan and lease losses		(14,447	)		(14,424	)		(13,638	)		(13,140	)		(13,040	)
Premises and equipment		31,072			31,170			29,238			28,911			28,680
Accrued interest receivable		6,168			5,955			5,963			6,009			6,037
Mortgage servicing rights		4,593			4,491			4,257			4,220			4,217
Goodwill		32,897			32,897			29,588			29,752			24,689
Other intangible assets		21,337			21,998			22,351			22,855			17,504
Bank owned life insurance		19,975			19,862			19,765			19,658			19,552
FHLB stock		10,663			10,761			10,717			10,746			11,009
Deferred income taxes		10,854			12,303			11,478			11,432			12,991
Other investments		4,347			4,346			4,438			4,424			4,095
Other assets		15,718			10,911			18,111			16,021			12,944
Total assets	$	2,030,163		$	2,035,885		$	1,814,529		$	1,853,355		$	1,836,411
Liabilities and shareholders' equity
Interest-bearing checking	$	263,820		$	270,279		$	226,206		$	237,126		$	235,841
Money market		588,478			559,470			493,829			468,314			418,503
Savings		135,124			129,091			132,402			133,204			135,912
Wholesale non-maturity deposits		32,879			45,162			37,458			35,365			66,518
Wholesale time deposits		11,325			12,421			9,942			22,505			22,062
Time deposits		171,575			218,586			171,498			193,081			212,003
Interest-bearing deposits		1,203,201			1,235,009			1,071,335			1,089,595			1,090,839
Non-interest bearing deposits		407,453			399,673			327,214			336,972			334,918
Total deposits		1,610,654			1,634,682			1,398,549			1,426,567			1,425,757
FHLB advances and other borrowings		168,636			161,315			155,416			169,589			164,697
Short-term borrowings		18,362			9,402			19,029			14,675			13,254
Subordinated debentures		—			—			15,000			22,500			22,500
Other liabilities		22,343			26,921			25,280			23,956			20,538
Shareholders' equity		210,168			203,565			201,255			196,068			189,665
Total liabilities and shareholders' equity	$	2,030,163		$	2,035,885		$	1,814,529		$	1,853,355		$	1,836,411

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Bryn Mawr Bank Corporation

Consolidated Quarterly Average Balance Sheets - (unaudited)

(Dollars in thousands)

	2013			2012			2012			2012			2012
	1Q			4Q			3Q			2Q			1Q
Assets
Interest bearing deposits with banks	$	117,372		$	91,234		$	53,767		$	57,734		$	38,556
Investment securities - available for sale		323,247			311,372			328,051			321,420			304,215
Investment securities - trading		1,695			1,400			1,343			1,546			1,437
Loans held for sale		2,645			4,047			2,972			3,810			3,935
Portfolio loans and leases		1,401,038			1,341,826			1,300,811			1,290,209			1,295,617
Earning assets		1,845,997			1,749,879			1,686,944			1,674,719			1,643,760
Cash and due from banks		13,287			14,817			12,922			12,259			11,539
Allowance for loan and lease losses		(14,693	)		(14,063	)		(13,337	)		(13,383	)		(13,089	)
Premises and equipment		31,415			30,189			29,077			28,866			29,095
Goodwill		32,897			29,642			29,751			26,201			24,688
Other intangible assets		21,725			22,084			22,580			21,427			17,804
Bank owned life insurance		19,905			19,800			19,695			19,589			19,480
FHLB stock		10,544			10,572			10,717			10,553			11,223
Deferred income taxes		12,183			11,577			13,225			13,659			13,637
Other assets		21,294			23,800			21,229			22,651			25,512
Total assets	$	1,994,554		$	1,898,297		$	1,832,803		$	1,816,541		$	1,783,649
Liabilities and shareholders' equity
Interest-bearing deposits:
Interest-bearing checking	$	266,900		$	241,730		$	229,853		$	236,131		$	227,817
Money market		576,422			516,174			486,798			436,717			406,972
Savings		132,142			132,725			133,315			133,105			132,451
Wholesale non-maturity deposits		38,683			38,932			35,956			47,463			65,117
Wholesale time deposits		11,495			10,689			13,809			22,280			22,354
Time deposits		190,937			190,332			178,711			203,344			210,973
Total interest-bearing deposits		1,216,579			1,130,582			1,078,442			1,079,040			1,065,684
Non-interest bearing deposits		386,881			359,008			330,179			323,539			305,468
Total deposits		1,603,460			1,489,590			1,408,621			1,402,579			1,371,152
FHLB advances and other borrowings		149,699			159,559			167,251			163,908			165,402
Short-term borrowings		10,978			13,243			13,273			13,149			13,885
Subordinated debentures		—			7,283			21,114			22,500			22,500
Other liabilities		26,123			27,175			25,354			23,158			25,259
Shareholders' equity		204,294			201,447			197,190			191,247			185,451
Total liabilities and shareholders' equity	$	1,994,554		$	1,898,297		$	1,832,803		$	1,816,541		$	1,783,649

12

Bryn Mawr Bank Corporation

Consolidated Selected Financial Data - (unaudited)

(Dollars in thousands, except per share data)

March 31, 2013

For the period end:	2013			2012			2012			2012			2012
	1Q			4Q			3Q			2Q			1Q
Asset Quality Data
Nonaccrual loans and leases	$	12,098		$	14,040		$	13,816		$	14,929		$	22,570
90 days or more past due loans, still accruing		728			728			—			3,376			—
Nonperforming loans and leases		12,826			14,768			13,816			18,305			22,570
Other real estate owned		545			906			412			865			404
Total nonperforming assets	$	13,371		$	15,674		$	14,228		$	19,170		$	22,974
Troubled debt restructurings included in nonperforming assets	$	3,686		$	3,106		$	3,740		$	4,005		$	4,223
Troubled debt restructurings in compliance with modified terms		7,438			8,008			8,379			8,302			7,970
Total troubled debt restructurings	$	11,124		$	11,114		$	12,119		$	12,307		$	12,193
Nonperforming loans and leases / portfolio loans		0.91	%		1.06	%		1.05	%		1.41	%		1.73	%
Nonperforming assets / assets		0.66	%		0.77	%		0.78	%		1.03	%		1.25	%
Net loan charge-offs (recoveries) / average loans (annualized)		0.23	%		0.08	%		0.16	%		0.26	%		0.21	%
Net lease (recoveries) charge-offs / average leases (annualized)		-0.13	%		-0.38	%		-0.23	%		0.94	%		0.67	%
Net loan and lease charge-offs (recoveries) / average loans and leases (annualized)		0.22	%		0.07	%		0.16	%		0.28	%		0.23	%
Delinquency rate - loans and leases 30 days or more past due		1.23	%		1.02	%		1.01	%		1.36	%		1.52	%
Delinquent loans and leases - 30-89 days past due	$	4,115		$	2,053		$	1,954		$	2,722		$	5,468
Delinquency rate - loans and leases 30-89 days past due		0.29	%		0.15	%		0.15	%		0.21	%		0.28	%
Changes in the allowance for loan and lease losses:
Balance, beginning of period	$	14,425		$	13,638		$	13,140		$	13,040		$	12,753
Charge-offs		(830	)		(450	)		(618	)		(960	)		(839	)
Recoveries		48			237			116			57			126
Net (charge-offs) / recoveries		(782	)		(213	)		(502	)		(903	)		(713	)
Provision for loan and lease losses		804			1,000			1,000			1,003			1,000
Balance, end of period	$	14,447		$	14,425		$	13,638		$	13,140		$	13,040
Allowance for loan and lease losses / loans and leases		1.03	%		1.03	%		1.04	%		1.01	%		1.00	%
Allowance for loan and lease losses / nonperforming loans and leases		112.6	%		97.7	%		98.7	%		71.8	%		57.8	%

13

Bryn Mawr Bank Corporation

Consolidated Selected Financial Data - (unaudited)

(Dollars in thousands, except per share data)

March 31, 2013

For the period and period end:	2013			2012			2012			2012			2012
	1Q			4Q			3Q			2Q			1Q
Selected ratios (annualized):
Return on average assets		1.08	%		1.11	%		1.18	%		1.18	%		1.14	%
Return on average shareholders' equity		10.56	%		10.47	%		10.93	%		11.24	%		11.00	%
Return on average tangible equity (2)		14.42	%		14.09	%		14.89	%		14.97	%		14.27	%
Yield on loans and leases*		5.16	%		5.24	%		5.21	%		5.31	%		5.33	%
Yield on interest earning assets*		4.16	%		4.27	%		4.28	%		4.39	%		4.51	%
Cost of interest bearing funds		0.43	%		0.54	%		0.66	%		0.72	%		0.76	%
Net interest margin*		3.85	%		3.86	%		3.78	%		3.84	%		3.93	%
Book value per share	$	15.57		$	15.17		$	15.02		$	14.73		$	14.40
Tangible book value per share	$	11.55		$	11.08		$	11.14		$	10.77		$	11.20
Period end shares outstanding		13,500,413			13,414,552			13,399,635			13,316,469			13,168,555
Selected data:
Mortgage loans originated	$	65,105		$	82,458		$	64,455		$	51,427		$	55,385
Mortgage loans sold - servicing retained	$	51,414		$	71,596		$	54,992		$	41,986		$	32,778
Mortgage loans sold - servicing released		189			—			—			2,238			1,223
Total mortgage loans sold	$	51,603		$	71,596		$	54,992		$	44,224		$	34,001
Yield on loans sold		2.94	%		3.39	%		3.34	%		2.95	%		3.44	%
Mortgage loans serviced for others	$	603,734		$	595,317		$	583,859		$	575,533		$	571,440
Total wealth assets under management, administration, supervision and brokerage (1)	$	6,987,974		$	6,663,212		$	6,482,835		$	6,275,940		$	5,152,965

* Yield on loans and leases, interest earning assets and net interest margin are calculated on a tax-equivalent basis.

⁽¹⁾  Brokerage assets represent assets held at a registered broker dealer under a networking agreement.

⁽²⁾  Average tangible equity equals average shareholders' equity minus average goodwill and average other intangible assets.

14

Bryn Mawr Bank Corporation

Consolidated Selected Financial Data - (unaudited)

(Dollars in thousands, except per share data)

March 31, 2013

Investment Portfolio - AFS	As of March 31, 2013									As of December 31, 2012
(dollars in thousands)
SECURITY DESCRIPTION	Amortized Cost			Fair Value			Net Unrealized Gain /(Loss)			Amortized Cost			Fair Value			Net Unrealized Gain /(Loss)
U.S. Treasury securities	$	102		$	103		$	1		$	—		$	—		$	—
Obligations of U.S. government and agencies		74,455			75,134			679			73,183			73,872			689
State & political subdivisions		37,382			37,511			129			30,243			30,384			141
Mortgage-backed securities		136,360			139,505			3,145			128,537			131,826			3,289
Collateralized mortgage obligations		57,020			57,682			662			62,116			62,703			587
Other debt securities		1,900			1,897			(3	)		1,900			1,900			—
Bond - mutual funds		11,456			11,504			48			11,456			11,527			71
Investment CDs		2,335			2,345			10			2,350			2,364			14
Other investments		1,948			2,118			170			1,962			2,038			76
Total Investment Portfolio	$	322,958		$	327,799		$	4,841		$	311,747		$	316,614		$	4,867
Capital Ratios
	Regulatory Minimum To Be Well Capitalized			3/31/2013			12/31/2012			9/30/2012			6/30/2012			3/31/2012
Bryn Mawr Trust Company
Tier I Capital to Risk Weighted Assets (“RWA”)		6.00	%		11.52	%		11.20	%		11.99	%		11.75	%		12.17	%
Total (Tier II) Capital to RWA		10.00	%		12.51	%		12.20	%		14.09	%		14.36	%		14.78	%
Tier I Leverage Ratio		5.00	%		8.70	%		8.84	%		9.23	%		9.14	%		9.56	%
Tangible Equity Ratio					8.11	%		7.72	%		8.85	%		8.41	%		8.70	%
Bryn Mawr Bank Corporation
Tier I Capital to RWA		6.00	%		11.33	%		11.02	%		11.64	%		11.30	%		11.52	%
Total (Tier II) Capital to RWA		10.00	%		12.32	%		12.02	%		13.74	%		13.90	%		14.23	%
Tier I Leverage Ratio		5.00	%		8.58	%		8.72	%		8.98	%		8.80	%		9.07	%
Tangible Equity Ratio					7.98	%		7.60	%		8.58	%		8.07	%		8.22	%

15

Bryn Mawr Bank Corporation

Quarterly Average Balances and Tax-Equivalent Income and Expense and Tax Equivalent Yields - (unaudited)

	1st Quarter 2013								4th Quarter 2012								3rd Quarter 2012								2nd Quarter 2012								1st Quarter 2012
(dollars in thousands)	Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid			Average Balance			Interest Income/ Expense		Average Rates Earned/ Paid
Assets:
Interest-bearing deposits with other banks	$	117,372		$	69		0.24	%	$	91,234		$	41		0.18	%	$	53,767		$	34		0.25	%	$	57,734		$	30		0.21	%	$	38,556		$	23		0.24	%
Investment securities - available for sale:
Taxable		289,097			889		1.25	%		286,889			897		1.24	%		309,570			960		1.23	%		307,371			1,067		1.40	%		294,593			1,136		1.55	%
Tax-exempt		34,150			125		1.48	%		24,483			102		1.66	%		18,481			82		1.77	%		14,049			66		1.89	%		9,622			53		2.22	%
Investment securities - available for sale		323,247			1,014		1.27	%		311,372			999		1.28	%		328,051			1,042		1.26	%		321,420			1,133		1.42	%		304,215			1,189		1.57	%
Investment securities - trading		1,695			16		3.83	%		1,400			16		4.55	%		1,343			5		1.48	%		1,546			12		3.12	%		1,437			4		1.12	%
Loans and leases *		1,403,683			17,854		5.16	%		1,345,873			17,721		5.24	%		1,303,783			17,089		5.21	%		1,294,019			17,094		5.31	%		1,299,552			17,234		5.33	%
Total interest-earning assets		1,845,997			18,953		4.16	%		1,749,879			18,777		4.27	%		1,686,944			18,170		4.28	%		1,674,719			18,269		4.39	%		1,643,760			18,450		4.51	%
Cash and due from banks		13,287								14,817								12,922								12,259								11,539
Less allowance for loan and lease losses		(14,693	)							(14,063	)							(13,337	)							(13,383	)							(13,089	)
Other assets		149,963								147,664								146,274								142,946								141,439
Total assets	$	1,994,554							$	1,898,297							$	1,832,803							$	1,816,541							$	1,783,649
Liabilities:
Savings, NOW and market rate deposits	$	975,464		$	479		0.20	%	$	890,629		$	557		0.25	%	$	849,966		$	567		0.27	%	$	805,953		$	586		0.29	%	$	767,240		$	559		0.29	%
Other wholesale deposits		38,683			35		0.37	%		38,932			38		0.39	%		35,956			34		0.38	%		47,463			43		0.36	%		65,117			53		0.33	%
Wholesale deposits		11,495			19		0.67	%		10,689			20		0.74	%		13,809			21		0.60	%		22,280			24		0.43	%		22,354			24		0.43	%
Time deposits		190,937			242		0.51	%		190,332			290		0.61	%		178,711			316		0.70	%		203,344			412		0.81	%		210,973			490		0.93	%
Total interest-bearing deposits		1,216,579			775		0.26	%		1,130,582			905		0.32	%		1,078,442			938		0.35	%		1,079,040			1,065		0.40	%		1,065,684			1,126		0.42	%
Subordinated debentures		—			—		—	%		7,283			79		4.32	%		21,114			271		5.11	%		22,500			291		5.20	%		22,500			291		5.20	%
Junior subordinated debentures		—			—		—	%		—			—		—	%		—			—		—	%		—			—		—	%		—			—		—	%
Short-term borrowings		10,978			3		0.11	%		13,243			3		0.09	%		13,273			4		0.12	%		13,149			5		0.15	%		13,885			6		0.17	%
FHLB advances and other borrowings		149,699			668		1.81	%		159,559			798		1.99	%		167,251			918		2.18	%		163,908			924		2.27	%		165,402			964		2.34	%
Total Borrowings		160,677			671		1.69	%		180,085			880		1.94	%		201,638			1,193		2.35	%		199,557			1,220		2.46	%		201,787			1,261		2.51	%
Total interest-bearing liabilities		1,377,256			1,446		0.43	%		1,310,667			1,785		0.54	%		1,280,080			2,131		0.66	%		1,278,597			2,285		0.72	%		1,267,471			2,387		0.76	%
Noninterest-bearing deposits		386,881								359,008								330,179								323,539								305,468
Other liabilities		26,123								27,175								25,100								23,158								25,259
Total noninterest-bearing liabilities		413,004								386,183								355,279								346,697								330,727
Total liabilities		1,790,260								1,696,850								1,635,359								1,625,294								1,598,198
Shareholders’ equity		204,294								201,447								197,444								191,247								185,451
Total liabilities and shareholders’ equity	$	1,994,554							$	1,898,297							$	1,832,803							$	1,816,541							$	1,783,649
Interest income to earning assets							4.16	%							4.27	%							4.28	%							4.39	%							4.51	%
Net interest spread							3.73	%							3.73	%							3.62	%							3.67	%							3.75	%
Effect of noninterest-bearing sources							0.12	%							0.13	%							0.16	%							0.17	%							0.18	%
Tax-equivalent net interest income/ margin on earning assets				$	17,507		3.85	%				$	16,992		3.86	%				$	16,039		3.78	%				$	15,984		3.84	%				$	16,063		3.93	%
Tax-equivalent adjustment				$	98		0.03	%				$	96		0.02	%				$	88		0.02	%				$	81		0.02	%				$	78		0.02	%

* Average loans and leases include portfolio loans and leases, and loans held for sale. Non-accrual loans are also included in the average loan and leases balances.

16