Southstate Bank Corporation · NYSE:SSB

Southstate Bank — First Financial Holdings — Investor Presentation (February 2014)

12 slides from Southstate Bank's investor presentation, Feb 26, 2014

  1. Slide 1: First Financial Holdings, Inc.

    FIRST FINANCIAL HOLDINGS, INC.

  2. Slide 2: Forward Looking Statements and Non GAAP Measures

    Forward Looking Statements and Non GAAP Measures Cautionary Statement Regarding Forward Looking Statements Statements included in this report 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 Se

  3. Slide 3: Largest Publicly Traded Bank Holding Company Headquartered in SC

    Largest Publicly Traded Bank Holding Company Headquartered in SC Assets -$7.9 Billion Loans -$5.6 Billion Deposits -$6.6 Billion GEORGIA Charlotte Wilmington Myrtle Beach Hilton Head Island Savannah Atlanta Florence Columbia Athens Gainesville Georgetown Charleston NORTH CAROLINA SOUTH CAROLINA Gree

  4. Slide 4: Market Performance Since 2008

    Market Performance Since 2008 (1) See endnotes (1) 90.2% 71.4% 22.6% (25.0%) (32.0%)

  5. Slide 5: South State Bank / First Financial Holdings, Inc.

    SOUTH STATE BANK FIRST FINANCIAL HOLDINGS, INC.

  6. Slide 6: Economic Highlights

    Economic Highlights NORTHCAROUNA @ Hiton Head island \ Georsia javonnah

  7. Slide 7: Profitability

    Profitability NET OPERATING INCOME (in Thousands) OPERATING EPS See endnotes (2)

  8. Slide 8: Operating Efficiency Ratio - QTD

    Operating Efficiency Ratio - QTD 8 See endnotes (3)

  9. Slide 9: Net Interest Margin

    Net Interest Margin See endnotes (4)

  10. Slide 10: Loan Portfolio Mix

    Loan Portfolio Mix 4.3 % 5-YR CAGR (2008 – 2013) Organic Loan Growth In Millions See endnotes (5)

  11. Slide 11: Branch Footprint in the Carolinas and Georgia

    NORTH CAROLINIA Charlotte Greenville Gaineville SOUTH CAROLINIA Florence Wilmington Myrtle Beach Georgetown Columbia Athens Atlanta Charleston Hilton Head Island Savannah Georgia

  12. Slide 12: Endnotes

    Endnotes Source: SNL Financial. Pricing data as of 2/7/14.KRX is a composition of 50 regionally diversified mid and small-cap banking institutions in the U.S and is calculated using an equal-weighted method. Carolina Peers include all major exchange traded banks and thrifts in North Carolina and Sou

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