Southern First Bancshares, Inc. · NASDAQ:SFST
Southern First Bancshares — Investor Presentation (February 2018)
10 slides from Southern First Bancshares's investor presentation, Feb 21, 2018
Slide 1: Southern First Bancshares, Inc. Investor Meeting
So » born FIRST Southern First Bancshares, Inc. Investor Meeting February 21st, 2018
Slide 2: Forward Looking Statement
la : pa Forward Looking Statemen 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 certai
Slide 3: Corporate profile: Southern First markets
Corporate profile: NORTH CAROLINA sei @ SOUTH CAROLINA Southern First markets: Greenville, SC: 2000 Columbia, SC: 2007 Charleston, SC: 2012 Raleigh, NC: 2016 GEORGIA Atlanta, GA: 2017
Slide 4: Southern First Bancshares Corporate Profile
Southern First Bancshares Corporate Profile * Overview: — Headquartered in Greenville, South Carolina — 17 year old bank — 10 offices in Greenville, Columbia, Charleston, and Raleigh ¢ Atlanta office pending ¢ Financial snapshot (as of year-end 2017) — Total assets: $1.6 billion + 3rd largest bank h
Slide 5: 2017 Highlights
2017 Highlights: == Total deposits increased $290 million — 27% growth == Total loans increased $223 million — 19% growth == Total revenue increased to $15.8 million — 18% growth in Q4’17 Xd y ay Book value increased to $20.37 s Xd My y Completed a $25 million capital raise YY A Ni Xd y Opened Ralei
Slide 6: Deposit Composition — year-end 2017
gm Deposit Composition — year-end 2017 Current deposit cost - .67% Wholesale i ' Retail CD's, 2% 19% Non-interest @Mecking, 21% Savings, 1° Interest Checking, 17% Money Market, 40%
Slide 7: Loan Composition — year-end 2017
Loan Composition — year-end 2017 Current loan yield — 4.56% Consumer Other, 2% Construction, Home Equity, 11% Consumer rea| estate, 20% Commercial owner occupied, 23% Commerical non-owner occupied, 22% Commercial Business, Construction, 3%
Slide 8: Strategic Vision
Strategic Vision Market expansion: Atlanta GA Right Market / Right Time / Right Bankers
Slide 9: Southern First Bancshares: Growing shareholder value
Southern First Bancshares Growing shareholder value Growth — organic strength in each market
Slide 10: Thank You
SoMon FIRST Southern First Bancshares, Inc. SuNTRUST ROBINSON HUMPHREY Thank You
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