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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, 2015
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$68,446$66,398$67,842
Loans Receivable, Net41,80638,05734,707
Mortgage-Backed Securities4,5727,7659,253
Investments13,51813,67115,338
Deposits48,84747,77350,949
Borrowings11,35010,90010,150
Equity7,7757,3706,519
Net Interest Income2,3142,3182,326
Fee Income515360
Overhead1,9742,0472,152
Net Operating Income445740395
Net Income445740395
Ratio Analysis Profitability%%%
Return on Assets *0.651.080.57
Operating Return on Assets *0.651.080.57
Return on Equity *5.8210.245.94
Net Interest Margin *3.733.783.70
Fee Income / Assets *0.070.080.09
Overhead / Assets *2.882.983.09
Efficiency Ratio79.1281.7587.30
Asset Quality%%%
Nonperforming Assets / Assets0.791.362.04
Nonperforming Assets / Equity & Loss Reserves6.4111.1919.49
Loss Reserves / Nonperforming Loans184.17134.0087.98
1-4 Fam Mtg + MBS / Assets55.6056.8053.23
Commercial Real Estate Loans / Assets8.438.609.33
Construction Loans / Assets2.373.422.05
Commercial & Industrial Loans / Assets1.230.310.15
Consumer Loans / Assets1.090.880.91
Capitalization%%%
Equity / Assets11.3611.109.61
Tangible Capital / Tangible Assets11.3611.109.61
Risk-based Capital Ratio21.7421.0819.44
Liquidity%%%
Loans / Deposits85.5979.6668.12
Non-Interest Bearing Deposits / Deposits5.723.893.84
Purchased Liabilities19.2218.6217.17

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