FCCO Q3: Loan growth 14.7% annualized, NIM expands 36bps to 3.29%, deposit costs flat at 9bps

FIRST COMMUNITY CORP /SC/

2022-Q3 EPS reported $1.39 revenue$770,000

Loan growth $33.9M in Q3 (14.7% annualized); YTD growth $86.5M (13.4% annualized).
Net interest margin expanded 36bps to 3.29% in Q3; deposit costs unchanged at 0.09%.
Nonperforming assets of $5.9M (0.36% of assets); one $4.0M non-accrual mixed-use CRE at 76% LTV.
Core EPS $1.76 YTD through Q3 2022; tangible book value $13.03 ($17.43 ex AOCI).
Mortgage production $17.4M in Q3 (vs $21.0M Q2); gain-on-sale margin 2.85%.

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