Vitals
  • Total Assets
    1.3B 10.1 %
  • Total Deposits
    1.1B 11.0 %
  • Total Net Loans
    1.2B 16.1 %
  • Net Income
    13.5M 21.4 %
  • Book Value
    117.5M 12.5 %
  • Book Value x2
    234.9M 12.5 %
  • Book Value x3
    352.4M 12.5 %
ROAA

1.079

ROAE

12.115

Efficiency Ratio

56.388

Net Interest Margin

3.7

Balance Sheet Highlights
Financial Highlights Southern First Bank All Insured Commercial Banks in South Carolina
Balance Sheet $(000)
Total Assets 1,337,085 396,146
Total Net Loans 1,156,590 246,095
Total Deposits 1,096,352 337,242
Total Equity 117,454 39,753
Profitability
Net Income 13,507 2,936
Return on Average Assets 1.079 .658
Return on Average Equity 12.115 6.043
Net Interest Margin 3.7 3.683
Efficiency Ratio 56.388 77.076
Noninterest Income/Revenue 15.041 19.526
Balance Sheet Ratios
Loan-to-Deposit 105.494 72.161
Securities/Assets .048 .198
Total Equity/Total Assets .088 .1
Tangible Equity/Tangible Assets .088 .099
Capital Adequacy
Tier 1 Common Capital 117,958 39,215
Tier 1 Capital 117,958 39,215
Tier 2 Capital 14,204 2,972
Total Capital 132,162 42,275
Total Risk Weighted Assets 1,135,698 268,714
Leverage Ratio 9.03 10.143
Common Equity Tier 1 Capital Ratio 10.39 15.311
Tier 1 Capital Ratio 10.39 15.311
Total Capital Ratio 11.64 16.421

Timeline for Southern First Bank

Southern First Bank

Southern First Bank was established 24 years ago and is currently headquartered in Greenville, SC.

Jan 10 2000

Southern First Bancshares, Inc.

Southern First Bancshares, Inc. became a new parent organization for Southern First Bank.

View Profile Jan 10 2000
Relationships Role Relationship Start Relationship End
Southern First Bancshares, Inc. Parent 1/10/2000
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