Southern First Bancshares — Shareholder Meeting (May 2010)

7 slides from Southern First Bancshares's shareholder meeting presentation, May 19, 2010

Slide 1: Southern First Bancshares, Inc. Shareholders Meeting, May 18, 2010
\ amnssnana First Bancshares, Inc. “N nue Shareholders Meeting /~ Ug» May 18, 2010 a Hy 4 Sid CAT T
Slide 2: Greenville First Bank
• Greenville First Bank opened in 2000 • $719 million in total assets (1) • $567 million in total net loans • $494 million in total deposits • Greenville SC market – 4 offices • #5 market share out of 36 banks (2) • Columbia SC market – 2 offices • Opened regional headquarter building • SFST – 105 t
Slide 3: SFST: Market Recognition / Performance
SFST: Market Recognition / Performance SFST - One Year Stock Price Performance 805 Stock Price (%) a & © ae ° or a a a SO oD D DG %% DD % a SFST (54.73%) SNL Bank $500M$16 (+8.60%)
Slide 4: Southern First Bancshares, Inc.
Southern First Bancshares, Inc. MSFST © Yahoo! Sep08 Jan 0g May 09 Sepo9 Jan10 May 10
Slide 5: Retail Deposits ($ mil)
$400 $350 $300 $250 $200 Retail Deposits ($ mil) New Transaction Accounts Mar Jun Sep Dec Mar Jun Sep Dee ‘08 '08 '08 ‘08 '09 '09 '09 '09 Increased 29% in 2009 Mar Jun Sep Dee Mar Jun Sep Dec ‘08 ‘08 '08 ‘08 '09 '09 '09 '09 61% increase Q4 2009 vs. Q4 2008
Slide 6: Commercial
Commercial 21% Consumer Real Estate 28% Construction / Development 4% Consumer 2% Owner Occupied CRE 245, Non Owner Occupied CRE 24%),
Slide 7: Growth
Growth Markets Current Unique Valuation Model Piet Leadership Asset Depth Quality Core Deposits