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SAFE & SOUND® STAR RATINGS

ABBEVILLE FIRST BANK

205 SOUTH MAIN STREET
ABBEVILLE, South Carolina 29620

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$66,398$67,842$71,423
Loans Receivable, Net38,05734,70734,888
Mortgage-Backed Securities7,7659,25313,239
Investments13,67115,33813,563
Deposits47,77350,94953,520
Borrowings10,90010,15010,600
Equity7,3706,5196,848
Net Interest Income2,3182,3262,290
Fee Income536065
Overhead2,0472,1521,978
Net Operating Income740395415
Net Income740395414
Ratio Analysis Profitability%%%
Return on Assets *1.080.570.55
Operating Return on Assets *1.080.570.55
Return on Equity *10.245.946.32
Net Interest Margin *3.783.703.39
Fee Income / Assets *0.080.090.09
Overhead / Assets *2.983.092.62
Efficiency Ratio81.7587.3086.45
Asset Quality%%%
Nonperforming Assets / Assets1.362.043.64
Nonperforming Assets / Equity & Loss Reserves11.1919.4934.25
Loss Reserves / Nonperforming Loans134.0087.9847.47
1-4 Fam Mtg + MBS / Assets56.8053.2357.48
Commercial Real Estate Loans / Assets8.609.338.71
Construction Loans / Assets3.422.051.09
Commercial & Industrial Loans / Assets0.310.150.09
Consumer Loans / Assets0.880.911.04
Capitalization%%%
Equity / Assets11.109.619.59
Tangible Capital / Tangible Assets11.109.619.59
Risk-based Capital Ratio21.0819.4418.96
Liquidity%%%
Loans / Deposits79.6668.1265.19
Non-Interest Bearing Deposits / Deposits3.893.843.05
Purchased Liabilities18.6217.1719.01

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