Southern First Bancshares, Inc. is the holding company for Southern First Bank, N.A. (the Bank). The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the FDIC), and providing commercial, consumer and mortgage loans to the general public. The Trusts are special purpose subsidiaries organized for the sole purpose of issuing trust preferred securities. The Company's primary markets include Greenville County, South Carolina and the Columbia market, which includes Richland and Lexington Counties.The Bank�s range of lending services includes real estate, commercial, and equity-line consumer loans to individuals and small- to medium-sized businesses and professional firms that are located in or conduct a substantial portion of their business in its market area. At December 31, 2012, the Company had net loans of $636.9 million, representing 79.8% of its total assets.