Southern First Bancshares, Inc. · NASDAQ:SFST
Southern First Bancshares — Q3 2021 Earnings Presentation
8 slides from Southern First Bancshares's earnings presentation, Oct 26, 2021
Slide 1: Third Quarter Results 2021
NN XOXOXO KK fos Southern THIRD QUARTER RESULTS 2021 October 26, 2021
Slide 2: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS 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 certain risk
Slide 3: Corporate Profile
CORPORATE PROFILE Raleigh NORTH CAROLINA SOUTH mile ae CAROLINA z Columbia Southern First Markets: Atlanta ae “i Greenville, SC % Columbia, SC Charleston, SC Raleigh, NC Atlanta, GA Summerville, SC Greensboro, NC Charlotte, NC Chark GEORGIA
Slide 4: Quarterly Highlights
QUARTERLY HIGHLIGHTS Significant loan and deposit growth ¢ $135 million in loan growth for Q3 * 6.0% growth linked quarter / 14.9% growth from Q3 2020 ¢ 147 million in core deposit growth for Q3 * 6.6% growth linked quarter / 17.7% growth from Q3 2020 Record earnings ¢ $14.0 net income - $1.75 EPS f
Slide 5: Loans & Deposits
$2,500 $2,450 $2,400 $2,350 $2,300 $2,250 $2,200 $2,150 $2,100 $2,050 $2,000 $1,950 Thousands $2.1B Q3 2020 Total Loans $2.1B Q4 2020 $2.2B Qi 2021 LOANS & DEPOSITS $2.3B Q2.2021 *Total loans excludes mortgage loans held for sale. $2.4B Q3 2021 Thousands $2,500 $2,450 $2,400 $2,350 $2,300 $2,250 $2,
Slide 6: Tangible Book Value Per Share
TANGIBLE BOOK VALUE PER SHARE Q3 2020 Q4 2020 Q1 2021 Q2 2021 Q3 2021
Slide 7: Capital Ratios
CAPITAL RATIOS Holding Company Capital Ratios: | 932021 | Q2 2021 | Q1.2021 | Q4 2020 | Q3 2020 | Total risk-based capital ratio 14.88% Tier 1 risk-based capital ratio 12.59% Leverage ratio 10.20% Common equity tier 1 ratio (2) 12.00% Tangible common equity ® 9.54% (1) September 30, 2021 ratios are
Slide 8: SN XXX KKK /
SN XXX KKK / Southern
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