South Carolina Bank and Trust

Financial Highlights

Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
	2012Y	2011Y	2012/ 2011 Ch (%)	2010Y	2011/ 2010 Ch (%)
Loans Held for Investment, before Reserves	3,645,745	2,872,766	26.91	2,617,238	9.76
Loans Held for Sale, before Reserves	65,279	45,809	42.50	42,704	7.27
Loan Loss Reserve	76,510	80,987	(5.53)	47,512	70.46
Net Loans Receivable	3,634,514	2,837,588	28.08	2,612,430	8.62
Intangible Assets	125,686	74,426	68.87	72,605	2.51
Total Assets	5,136,313	3,896,557	31.82	3,594,791	8.39
Deposits	4,298,360	3,254,472	32.08	3,004,148	8.33
Debt, Senior and Subordinated	293,518	227,119	29.24	237,995	(4.57)
Common Equity	507,549	381,780	32.94	329,957	15.71
Total Shareholders' Equity	507,549	381,780	32.94	329,957	15.71
Shares Outstanding (actual)	16,937,464	14,039,422	20.64	12,793,823	9.74

Income Statement ($000)
	2012Y	2011Y	2012/ 2011 Ch (%)	2010Y	2011/ 2010 Ch (%)
Net Interest Income	176,394	151,452	16.47	122,617	23.52
Provision for Loan Losses	13,619	30,236	(54.96)	54,282	(44.30)
Noninterest Income	41,094	38,382	7.07	46,132	(16.80)
Noninterest Expense	148,684	139,780	6.37	119,738	16.74
Net Income Before Taxes	45,160	33,357	35.38	80,828	(58.73)
Provision for Taxes	15,128	10,762	40.57	28,946	(62.82)
Net Income	30,032	22,595	32.91	51,882	(56.45)

Per Share Items ($)
	2012Y	2011Y	2012/ 2011 Ch (%)	2010Y	2011/ 2010 Ch (%)
Book Value per Share	29.97	27.19	10.20	25.79	5.44
Tangible Book Value	22.55	21.89	2.98	20.12	8.83
Diluted EPS Before Extra	2.03	1.63	24.54	4.08	(60.05)
Diluted EPS After Extra	2.03	1.63	24.54	4.08	(60.05)
Dividends Declared	0.6900	0.6800	1.47	0.6800	0.00

Performance Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
ROAA	0.70	0.58	12	1.43	(85)
ROAE	7.15	6.10	105	15.45	(935)
Net Interest Margin	4.83	4.66	17	4.00	66
Loans / Deposits	84.82	88.27	(345)	87.12	115
Efficiency Ratio	72.20	68.77	343	46.68	2,209

Balance Sheet Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
Tangible Equity/ Tangible Assets	7.62	8.04	(42)	7.31	73
Equity/ Assets	9.88	9.80	8	9.18	62

Asset Quality Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
Nonperforming Assets/ Assets	1.58	2.44	(86)	2.41	3
Loan Loss Reserves/ Gross Loans	2.06	2.77	(71)	1.79	99
Loan Loss Reserves/ NPAs	76.44	81.11	(467)	53.13	2,798
Net Charge-offs/ Avg Loans	0.72	1.11	(39)	1.97	(86)

Regulatory Capital Ratios (%)
	2012Y	2011Y	2012/ 2011 Ch (bp)	2010Y	2011/ 2010 Ch (bp)
Tier 1 Capital Ratio	12.73	14.09	(136)	13.34	75


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