Charleston, South Carolina

INVESTOR
RELATIONS

Performance Ratios (%) BKSC Peer Median Peer Average
ROAA 1.44 0.77 0.54
ROAE 13.25 9.13 6.55
Net Interest Margin 3.80 3.53 3.40
Efficiency Ratio 55.49 74.08 92.84
Loans / Deposits 65.42 75.57 82.58
Asset Quality Ratios (%)
NPAs / Assets 0.64 1.46 2.07
NCOs / Avg Loans 0.02 0.06 0.25
Reserves / Loans 1.28 1.36 1.43
Reserves / NPAs 119.26 81.56 85.72
Capital Ratios (%)
Tier 1 Capital NA 15.02 15.10
Tangible Equity / Tangible Assets 9.94 9.09 9.06
Total Equity / Total Assets 9.94 9.64 9.76
Market Ratios
Price / Earnings (x) 13.64 8.91 8.91
Price / Book (%) 169.12 79.56 79.56
Dividend Yield (%) 3.88 0.00 0.48
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 6/30/2020.

Peer financial data is as of 6/30/2020 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.