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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 September 30, 2014
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$66,531$67,842$71,423
Loans Receivable, Net36,62034,70734,888
Mortgage-Backed Securities8,7039,25313,239
Investments14,79915,33813,563
Deposits48,17550,94953,520
Borrowings10,65010,15010,600
Equity7,3476,5196,848
Net Interest Income1,7582,3262,290
Fee Income356065
Overhead1,4432,1521,978
Net Operating Income692395415
Net Income692395414
Ratio Analysis Profitability%%%
Return on Assets *1.200.570.55
Operating Return on Assets *1.200.570.55
Return on Equity *11.915.946.32
Net Interest Margin *3.733.703.39
Fee Income / Assets *0.070.090.09
Overhead / Assets *2.883.092.62
Efficiency Ratio76.0787.3086.45
Asset Quality%%%
Nonperforming Assets / Assets1.532.043.64
Nonperforming Assets / Equity & Loss Reserves12.7919.4934.25
Loss Reserves / Nonperforming Loans107.4587.9847.47
1-4 Fam Mtg + MBS / Assets57.2353.2357.48
Commercial Real Estate Loans / Assets8.619.338.71
Construction Loans / Assets2.152.051.09
Commercial & Industrial Loans / Assets0.240.150.09
Consumer Loans / Assets0.840.911.04
Capitalization%%%
Equity / Assets11.049.619.59
Tangible Capital / Tangible Assets11.049.619.59
Risk-based Capital Ratio21.5219.4418.96
Liquidity%%%
Loans / Deposits76.0168.1265.19
Non-Interest Bearing Deposits / Deposits2.403.843.05
Purchased Liabilities17.9217.1719.01

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