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Data for trailing four quarters

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Performance Ratios (%)		FFCH	Peer Median	Peer Average
	ROAA	0.99	(0.10)	(1.07)
	ROAE	11.01	1.24	(18.39)
	Net Interest Margin	4.40	3.36	3.61
	Efficiency Ratio	66.40	84.03	84.62
	Loans / Deposits	95.22	84.01	85.63

Asset Quality Ratios (%)
	NPAs / Assets	1.45	6.33	6.37
	NCOs / Avg Loans	1.09	1.54	2.07
	Reserves / Loans	1.89	2.10	2.68
	Reserves / NPAs	101.90	31.12	34.38

Capital Ratios (%)
	Tier 1 Capital	15.30	13.01	12.78
	Tangible Equity / Tangible Assets	9.26	7.76	6.14
	Total Equity / Total Assets	9.47	8.67	7.16

Market Ratios
	Price / Earnings (x)	12.30	24.73	22.09
	Price / Book (%)	145.13	92.43	126.41
	Dividend Yield (%)	0.95	0.00	0.68

First Financial Holdings, Inc.'s peer group consists of the following: Atlantic Coast Financial Corporation (ACFC), BankAtlantic Bancorp, Inc. (BBX), Citizens South Banking Corporation (CSBC), Community Financial Corporation (CFFC), First Advantage Bancorp (FABK), First Community Bank Corporation of America (FCFL), First Federal Bancshares of Arkansas, Inc. (FFBH), Heritage Financial Group, Inc. (HBOS), Jefferson Bancshares, Inc. (JFBI), SCBT Financial Corporation (SCBT), Superior Bancorp (SUPR)

First Financial Holdings, Inc.'s financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

BankAtlantic Bancorp, Inc.'s financial data is as of 6/30/2012.
Citizens South Banking Corporation's financial data is as of 6/30/2012.
Community Financial Corporation's financial data is as of 9/30/2012.
First Community Bank Corporation of America's financial data is as of 3/31/2011.
Superior Bancorp's financial data is as of 9/30/2010.


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