Charleston, South Carolina

INVESTOR
RELATIONS

Performance Ratios (%) BKSC Peer Median Peer Average
ROAA 1.58 0.70 0.49
ROAE 14.25 8.10 5.96
Net Interest Margin 4.08 3.57 3.47
Efficiency Ratio 53.51 76.59 94.55
Loans / Deposits 64.38 75.97 83.99
Asset Quality Ratios (%)
NPAs / Assets 0.62 1.46 2.04
NCOs / Avg Loans 0.05 0.05 0.24
Reserves / Loans 1.41 1.36 1.41
Reserves / NPAs 128.90 81.56 95.12
Capital Ratios (%)
Tier 1 Capital NA 15.02 15.10
Tangible Equity / Tangible Assets 10.49 9.35 9.24
Total Equity / Total Assets 10.49 9.77 9.92
Market Ratios
Price / Earnings (x) 13.41 10.31 10.31
Price / Book (%) 181.07 81.33 81.33
Dividend Yield (%) 3.73 0.00 0.47
Data for trailing four quarters

Bank of South Carolina Corporation's peer group consists of the following: , Cornerstone Bancorp, First Community Corporation (FCCO), First Reliance Bancshares, Inc. (FSRL), First South Bancorp, Inc., Greer Bancshares Incorporated, HCSB Financial Corporation, Independence Bancshares, Inc., Southcoast Financial Corporation

Bank of South Carolina Corporation's financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

First South Bancorp, Inc.'s financial data is as of 12/31/2018.
Southcoast Financial Corporation's financial data is as of 3/31/2016.
Cornerstone Bancorp's financial data is as of 6/30/2017.
HCSB Financial Corporation's financial data is as of 3/31/2017.
Greer Bancshares Incorporated's financial data is as of 12/31/2016.
Independence Bancshares, Inc.'s financial data is as of 9/30/2017.