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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, 2015
Federal Reserve System Identifier 416272




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$67,171$66,398$67,842
Loans Receivable, Net39,40838,05734,707
Mortgage-Backed Securities7,4157,7659,253
Investments12,86413,67115,338
Deposits47,95047,77350,949
Borrowings11,35010,90010,150
Equity7,5187,3706,519
Net Interest Income5752,3182,326
Fee Income125360
Overhead4782,0472,152
Net Operating Income112740395
Net Income112740395
Ratio Analysis Profitability%%%
Return on Assets *1.051.080.57
Operating Return on Assets *1.051.080.57
Return on Equity *9.7610.245.94
Net Interest Margin *3.733.783.70
Fee Income / Assets *0.080.080.09
Overhead / Assets *2.952.983.09
Efficiency Ratio78.1081.7587.30
Asset Quality%%%
Nonperforming Assets / Assets1.041.362.04
Nonperforming Assets / Equity & Loss Reserves8.5211.1919.49
Loss Reserves / Nonperforming Loans173.44134.0087.98
1-4 Fam Mtg + MBS / Assets58.3756.8053.23
Commercial Real Estate Loans / Assets8.438.609.33
Construction Loans / Assets2.673.422.05
Commercial & Industrial Loans / Assets0.290.310.15
Consumer Loans / Assets0.930.880.91
Capitalization%%%
Equity / Assets11.1911.109.61
Tangible Capital / Tangible Assets11.1911.109.61
Risk-based Capital Ratio21.4121.0819.44
Liquidity%%%
Loans / Deposits82.1979.6668.12
Non-Interest Bearing Deposits / Deposits3.433.893.84
Purchased Liabilities19.7718.6217.17

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