— SCBT

Data for trailing four quarters

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Performance Ratios (%)		SCBT	Peer Median	Peer Average
	ROAA	0.74	0.91	0.74
	ROAE	7.45	7.38	6.32
	Net Interest Margin	4.80	3.97	4.16
	Efficiency Ratio	66.87	64.11	65.08
	Loans / Deposits	85.31	86.57	83.21

Asset Quality Ratios (%)
	NPAs / Assets	1.91	2.51	2.62
	NCOs / Avg Loans	0.69	0.54	0.81
	Reserves / Loans	2.00	1.48	1.51
	Reserves / NPAs	74.41	39.56	57.17

Capital Ratios (%)
	Tier 1 Capital	13.21	14.95	15.18
	Tangible Equity / Tangible Assets	7.76	8.96	9.20
	Total Equity / Total Assets	10.00	10.67	10.65

Market Ratios
	Price / Earnings (x)	23.40	16.49	27.11
	Price / Book (%)	167.30	116.46	148.09
	Dividend Yield (%)	1.42	2.29	1.76

SCBT Financial Corporation's peer group consists of the following: Bank of the Ozarks, Inc. (OZRK), Capital City Bank Group, Inc. (CCBG), City Holding Company (CHCO), First Bancorp (FBNC), Seacoast Banking Corporation of Florida (SBCF), Simmons First National Corporation (SFNC), TowneBank (TOWN), Union First Market Bankshares Corporation (UBSH), Virginia Commerce Bancorp, Inc. (VCBI)

SCBT Financial Corporation's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013


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