Peer Analysis

BAY BANKS OF VIRGINIA, INC. (OTCQB - BAYK)

Data for trailing four quarters

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Performance Ratios (%)		BAYK	Peer Median	Peer Average
	ROAA	0.23	0.43	0.09
	ROAE	2.43	4.89	(0.42)
	Net Interest Margin	3.42	3.49	3.49
	Efficiency Ratio	81.91	78.01	83.08
	Loans / Deposits	87.74	77.07	75.24

Asset Quality Ratios (%)
	NPAs / Assets	NA	3.79	5.06
	NCOs / Avg Loans	0.90	0.56	1.21
	Reserves / Loans	1.29	1.69	1.86
	Reserves / NPAs	NA	34.16	50.64

Capital Ratios (%)
	Tier 1 Capital	13.31	12.23	12.44
	Tangible Equity / Tangible Assets	10.41	8.89	8.47
	Total Equity / Total Assets	11.18	8.89	8.48

Market Ratios
	Price / Earnings (x)	18.42	9.57	10.40
	Price / Book (%)	62.72	81.80	78.23
	Dividend Yield (%)	4.63	0.00	0.74

Bay Banks of Virginia, Inc.'s peer group consists of the following: Alliance Bankshares Corporation (ABVA), Bank of the James Financial Group, Inc. (BOTJ), Benchmark Bankshares, Inc. (BMBN), Botetourt Bankshares, Inc. (BORT), Cardinal Bankshares Corporation (CDBK), Central Virginia Bankshares, Inc. (CVBK), Chesapeake Financial Shares, Inc. (CPKF), Colonial Virginia Bank (CNVB), First Capital Bancorp, Inc. (FCVA), Grayson Bankshares, Inc. (GSON), Heritage Bankshares, Inc. (HBKS), Pinnacle Bankshares Corporation (PPBN), Village Bank and Trust Financial Corp. (VBFC), Virginia Heritage Bank (VGBK), Virginia National Bank (VABK)

Bay Banks of Virginia, Inc.'s financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

Alliance Bankshares Corporation's financial data is as of 9/30/2012.
Cardinal Bankshares Corporation's financial data is as of 12/31/2012.
Grayson Bankshares, Inc.'s financial data is as of 12/31/2012.


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