SOUTHERN FIRST BANCSHARES INC MANAGEMENT’S DISCUSSION AND Analysis of Financial Condition and Results of Operations. (form 10-Q)

The following discussion reviews our results of operations for the three month period ended March 31, 2022 as compared to the three month period ended March 31, 2021 and assesses our financial condition as of March 31, 2022 as compared to December 31, 2021. You should read the following discussion and analysis in conjunction with … Read more

S & P / EXPERIAN CONSUMER CREDIT DEFAULT INDICES SHOW FOURTH STRAIGHT INCREASE IN COMPOSITE RATE IN MARCH 2022

All Loan Types Show Increased Default Rates NEW YORK, April 19, 2022 / PRNewswire / – S&P Dow Jones Indices and Experian released today data through March 2022 for the S & P / Experian Consumer Credit Default Indices. The indices represent a comprehensive measure of changes in consumer credit defaults and show that the … Read more

BSP-Banks Maintain Lending Standards in Q1 2022

Results of the Q1 2022 Senior Bank Loan Officers’ Survey (SLOS) continued to indicate that a large proportion of bank respondents maintained their overall lending standards for loans to businesses and households based on the modal approach.1. Meanwhile, the diffusion index (DI) approach2,3 pointed to mixed results given that credit standards for enterprises generally showed … Read more