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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 March 31, 2016
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$71,898$68,446$66,398
Loans Receivable, Net42,13241,80638,057
Mortgage-Backed Securities6,9594,5727,765
Investments13,37313,51813,671
Deposits52,54448,84747,773
Borrowings11,10011,35010,900
Equity8,0227,7757,370
Net Interest Income5772,3142,318
Fee Income165153
Overhead4801,9742,047
Net Operating Income348445740
Net Income348445740
Ratio Analysis Profitability%%%
Return on Assets *0.980.651.08
Operating Return on Assets *0.980.651.08
Return on Equity *8.765.8210.24
Net Interest Margin *3.663.733.78
Fee Income / Assets *0.080.070.08
Overhead / Assets *2.852.882.98
Efficiency Ratio76.3179.1281.75
Asset Quality%%%
Nonperforming Assets / Assets0.660.791.36
Nonperforming Assets / Equity & Loss Reserves5.426.4111.19
Loss Reserves / Nonperforming Loans237.11184.17134.00
1-4 Fam Mtg + MBS / Assets56.3855.6056.80
Commercial Real Estate Loans / Assets8.268.438.60
Construction Loans / Assets2.372.373.42
Commercial & Industrial Loans / Assets1.271.230.31
Consumer Loans / Assets0.951.090.88
Capitalization%%%
Equity / Assets11.1611.3611.10
Tangible Capital / Tangible Assets11.1611.3611.10
Risk-based Capital Ratio22.1121.7421.08
Liquidity%%%
Loans / Deposits80.1885.5979.66
Non-Interest Bearing Deposits / Deposits5.675.723.89
Purchased Liabilities18.4919.2218.62

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