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 March 31, 2014
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$67,416$67,842$71,423
Loans Receivable, Net35,41434,70734,888
Mortgage-Backed Securities8,7609,25313,239
Investments15,48315,33813,563
Deposits50,44350,94953,520
Borrowings9,90010,15010,600
Equity6,8776,5196,848
Net Interest Income6062,3262,290
Fee Income106065
Overhead5002,1521,978
Net Operating Income131395415
Net Income131395414
Ratio Analysis Profitability%%%
Return on Assets *0.600.570.55
Operating Return on Assets *0.600.570.55
Return on Equity *6.265.946.32
Net Interest Margin *3.773.703.39
Fee Income / Assets *0.080.090.09
Overhead / Assets *3.023.092.62
Efficiency Ratio76.2287.3086.45
Asset Quality%%%
Nonperforming Assets / Assets1.762.043.64
Nonperforming Assets / Equity & Loss Reserves15.7119.4934.25
Loss Reserves / Nonperforming Loans120.2987.9847.47
1-4 Fam Mtg + MBS / Assets54.9753.2357.48
Commercial Real Estate Loans / Assets9.249.338.71
Construction Loans / Assets1.352.051.09
Commercial & Industrial Loans / Assets0.190.150.09
Consumer Loans / Assets0.750.911.04
Capitalization%%%
Equity / Assets10.209.619.59
Tangible Capital / Tangible Assets10.209.619.59
Risk-based Capital Ratio19.8819.4418.96
Liquidity%%%
Loans / Deposits70.2168.1265.19
Non-Interest Bearing Deposits / Deposits4.013.843.05
Purchased Liabilities16.9617.1719.01

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