Welcome

WELCOME
ANALYST / INVESTOR DAY
Exhibit 99.2
 
 
 
 
 
 
 
 
 
1

 

Dee Bee Wright
VP of Investor Relations & Corporate Secretary

 
Paula Harper Bethea
Chairman of the Board of Directors

 
Tom Hood
President of First Federal
Savings and Loan Association of Charleston
Welcome
 
2

 
Introduction of
Board Members and Executive Team
 
Update on FFCH Strategic Initiatives
Wayne Hall
President & CEO
 
3

 
 
4

 

Genuine Care For Employees
Core Values
 
5

 

Genuine Care For Customers
Core Values
 
6

 

Integrity: “We Do The Right Thing”
Core Values
 
7

 

Community:
Give Back Time, Money And Resources
Core Values
 
8

 

Create Long Term Stakeholder Value
Core Values
 
9

 
First Financial Holdings, Inc.
 
Retail Banking Offices (47)
In-Store Offices (18)
First Southeast Insurance Services
(13)
Kimbrell Insurance Group (1)
First Southeast Investor Services (25)
 
10

 
First Financial Holdings, Inc.
 
Retail Branches (65)
First Southeast Insurance Services (13)
Kimbrell Insurance Group (1)
First Southeast Investor Services (25)
 
 
Potential New Markets
 
 
Wilmington
Charleston
Raleigh
Hilton Head
Island
 
Laurens
Union
Rock Hill
Winnsboro
Florence
Conway
Greenville
Spartanburg
Durham
 
11

 
Demographics
Data Source: SNL Financial
Columbia
Spartanburg
Greenville
Raleigh
Durham
Savannah
Jacksonville
Total Population (actual)
% Change 2009 - 2014
6.71
%
5.52
%
6.18
%
17.97
%
7.51
%
7.87
%
10.33
%
Total Households (actual)
% Change 2009 - 2014
8.06
%
6.35
%
7.00
%
18.18
%
8.09
%
8.46
%
10.76
%
Average Household Income
Current 2009
$
66,358
$
59,717
$
64,175
$
86,338
$
71,291
$
63,151
$
71,347
% Change 2009 - 2014
3.91
%
3.03
%
3.86
%
4.64
%
4.47
%
4.46
%
5.28
%
Average Household Net Worth
Current 2009
$
419,982
$
361,822
$
419,059
$
545,619
$
476,590
$
410,023
$
437,582
South Carolina
North Carolina
 
12

 
Commercial Banking
How Do we transition the portfolio from A&D, CRE,
and transactional business to High Quality C&I and
Small Business Relationships?
  • Segment Commercial Banking Group into Middle Market
    and Small Business Platforms.
  • This will allow a targeted approach to servicing the
    Banking needs of each unique segment.
  • It will maximize profitability through tailored Product
    Delivery Channel for each segment.
  • It will create a high quality customer experience by
    delivering the full capacity of the Bank to every client in the
    communities we serve.
 
13

 
Small Business Banking
Focus on Small Business in the First Federal
Footprint will support the needs of this large
component of our community.
  • SBA defines a small business as one with fewer than 500
    employees.
  • South Carolina has 81,698 small employers (2006) which
    accounts for 97.3% of the state’s employers and 50% of
    its private sector employment.
  • North Carolina has 173,409 small employers (2006) which
    accounts for 98.1% of the state’s employers and 48.6% of
    its private sector employment.
 
14

 
Small Business Banking
Provide local, Knowledge based, Advisory Bankers
  • Focus on our core Client Centric Delivery Model to create a
    robust small business banking platform.
  • Create streamlined process to deliver efficiently and effectively
    to meet the fast pace/high volume needs of small business.
  • Enhance our product base by offering SBA and other Guaranty
    program solutions to our clients.
  • Focus on Non-Profit Organizations through specialized Bankers.
  • Target Cross Sell Opportunities such as Insurance and
    retirement services to help small business owners manage and
    grow their business.
 
15