Southstate Bank — SCBT Financial — Q3 2012 Earnings Presentation

5 slides from Southstate Bank's earnings presentation, Oct 26, 2012

Slide 1: SCBT Financial Corporation 3rd Quarter Earnings Release Call
SCBT Financial Corporation 3rd Quarter Earnings Release Call October 26, 2012
Slide 2: Forward-Looking Statements
Forward-Looking Statements 2 Statements included in this press release which are not historical in nature are intended to be, and are hereby identified as, forward looking statements for purposes of the safe harbor provided by Section 21E of the Securities Exchange Act of 1934. SCBT Financial Corpor
Slide 3: Loan Portfolio Mix With SAVB
NonAcquired FDIC Acquired Whole Bank Acquired Loan Portfolio Mix With SAVB - FDIC Acquired includes Indemnification Asset 3
Slide 4: Impact Of Credit Releases
Impact Of Credit Releases (Dollars in Millions) 4 3Q2012 2Q2012 Change Interest Income Yield Interest Income Yield Interest Income Yield IMPACT ON ACQUIRED LOAN YIELD Acquired Loan Yield $ 16.0 12.70% $ 11.9 9.86% $ 4.1 2.84% Adjustment for negative accretion on IA (6.6) -6.95% (4.4) -5.21% (2.2) -1
Slide 5: Operating Efficiency Ratio - QTD
Operating Efficiency Ratio - QTD *Efficiency ratio = NIE / Net Int Inc + Non Int Inc less securities gain/(loss) Operating efficiency ratio (exc’l) = same as above except exc’l merger cost & OREO related cost from NIE 5