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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, 2015
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$67,592$66,398$67,842
Loans Receivable, Net41,14038,05734,707
Mortgage-Backed Securities4,9047,7659,253
Investments14,06513,67115,338
Deposits48,13547,77350,949
Borrowings11,35010,90010,150
Equity7,7107,3706,519
Net Interest Income1,7352,3182,326
Fee Income375360
Overhead1,4292,0472,152
Net Operating Income382740395
Net Income382740395
Ratio Analysis Profitability%%%
Return on Assets *0.631.080.57
Operating Return on Assets *0.631.080.57
Return on Equity *5.7010.245.94
Net Interest Margin *3.733.783.70
Fee Income / Assets *0.080.080.09
Overhead / Assets *2.982.983.09
Efficiency Ratio76.5081.7587.30
Asset Quality%%%
Nonperforming Assets / Assets0.771.362.04
Nonperforming Assets / Equity & Loss Reserves6.2411.1919.49
Loss Reserves / Nonperforming Loans197.35134.0087.98
1-4 Fam Mtg + MBS / Assets56.0756.8053.23
Commercial Real Estate Loans / Assets8.718.609.33
Construction Loans / Assets2.353.422.05
Commercial & Industrial Loans / Assets0.940.310.15
Consumer Loans / Assets1.020.880.91
Capitalization%%%
Equity / Assets11.4111.109.61
Tangible Capital / Tangible Assets11.4111.109.61
Risk-based Capital Ratio21.6221.0819.44
Liquidity%%%
Loans / Deposits85.4779.6668.12
Non-Interest Bearing Deposits / Deposits1.433.893.84
Purchased Liabilities19.6418.6217.17

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