Southern First Bancshares, Inc. · NASDAQ:SFST

Southern First Bancshares — Investor Presentation (August 2019)

8 slides from Southern First Bancshares's investor presentation, Aug 6, 2019

  1. Slide 1: Southern First Bancshares, Inc. Investor Meetings

    SiMen FIRST Southern First Bancshares, Inc. Investor Meetings

  2. Slide 2: Forward Looking Statement

    —_\ Ba BSS Forward Looking Statement During the course of this presentation, management may make projections and forward-looking statements regarding events or the future financial performance of Southern First Bancshares, Inc. We wish to caution you that these forward- looking statements involve ce

  3. Slide 3: Southern First markets

    SOUTH CAROLINA Southern First markets: ecOnGIA Greenville, SC: 2000 Columbia, SC: 2007 Charleston, SC: 2012 Raleigh, NC: 2016 Atlanta, GA: 2017 Greensboro, NC: 2018

  4. Slide 4: Corporate Profile

    Corporate Profile: * Overview: — Headquartered in Greenville, South Carolina — 18 year old bank — Offices in Greenville, Columbia, Charleston, Raleigh, Atlanta, Greensboro ¢ Financial snapshot (as of June 30, 2019) — Total assets: $2.1 billion — ROAA: 1.43% * — ROAE: 15 12%0)= — NPAs: 27% — Efficien

  5. Slide 5: SFST — Q2 2019 Highlights

    SFST — Q2 2019 Highlights ¢ Net income increased to $7.2 million — $.93 per diluted share — 31% increase over Q2 2018 * Return on average assets = 1.43% ¢ Return on average equity = 15.72% a) ¢ Total deposits increased 18% to $1.85 billion @) ¢ Loans increased 18% to $1.81 billion @ ¢ Book value inc

  6. Slide 6: SFST Book Value

    SEST Book Value 25512 “ 16% increas@) $22.00 A ee $ (11% increase) 20.00 19.52 $18.00 (21% increase) $16.00 (15% increase) <4) “$14.06

  7. Slide 7: SFST Earnings per Share

    Ma) SFST Earnings per Share = $.93 1% increas¢) Ee (45% increase) $.49 (26% ) (0% increase / capital raise) 39 Increase’ June '15 June '16 June '17 June '18 June '19

  8. Slide 8: Southern First Bancshares: Growing Shareholder Value

    Southern First Bancshares Growing Shareholder Value s Leadership — performance driven

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