SAFE & SOUND® STAR RATINGS

Financial statement

ABBEVILLE FIRST BANK
205 SOUTH MAIN STREET
ABBEVILLE, South Carolina 29620

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$68,193$67,842$71,423
Loans Receivable, Net35,67234,70734,888
Mortgage-Backed Securities8,2819,25313,239
Investments14,87015,33813,563
Deposits50,78350,94953,520
Borrowings9,90010,15010,600
Equity7,3026,5196,848
Net Interest Income1,1822,3262,290
Fee Income236065
Overhead9702,1521,978
Net Operating Income557395415
Net Income557395414
Ratio Analysis Profitability%%%
Return on Assets *1.180.570.55
Operating Return on Assets *1.180.570.55
Return on Equity *11.895.946.32
Net Interest Margin *3.753.703.39
Fee Income / Assets *0.080.090.09
Overhead / Assets *2.973.092.62
Efficiency Ratio75.2587.3086.45
Asset Quality%%%
Nonperforming Assets / Assets1.422.043.64
Nonperforming Assets / Equity & Loss Reserves12.2219.4934.25
Loss Reserves / Nonperforming Loans131.3787.9847.47
1-4 Fam Mtg + MBS / Assets54.3653.2357.48
Commercial Real Estate Loans / Assets8.129.338.71
Construction Loans / Assets1.852.051.09
Commercial & Industrial Loans / Assets0.200.150.09
Consumer Loans / Assets0.810.911.04
Capitalization%%%
Equity / Assets10.719.619.59
Tangible Capital / Tangible Assets10.719.619.59
Risk-based Capital Ratio22.0919.4418.96
Liquidity%%%
Loans / Deposits70.2468.1265.19
Non-Interest Bearing Deposits / Deposits4.183.843.05
Purchased Liabilities16.7417.1719.01

* Calculations are based on the latest four quarters of income and expense.
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