Establishing Fast Products Of Working Capital

Total assets increased $13.0 million or 1.6% to $812.7 million at December 31, 2016 from $799.7 million at December 31, 2015. Net loans receivable increased $29.1 million or 8.8% to $359.7 million at December 31, 2016 from $330.6 million at December 31, 2015. Investment and mortgage-backed securities decreased $17.8 million or 4.4% to $387.6 million at December 31, 2016 from $405.4 million at December 31, 2015. Total deposits increased $2.0 million or 0.3% to $654.1 million at December 31, 2016 compared to $652.1 million at December 31, 2015. Total borrowings increased $29.7 million or 56.8% to $82.0 million at December 31, 2016 from $52.3 million at December 31, 2015. Security Federal Bank has 14 full service branch locations in Aiken, Ballentine, Clearwater, Columbia, Graniteville, Langley, Lexington, North Augusta, Wagener, and West Columbia, South Carolina and Evans, Georgia. A full range of financial services, including trust and investments, are provided by the Bank and insurance services are provided by the Bank's wholly owned subsidiary, Security Federal Insurance, Inc. Forward-looking statements: Certain matters discussed in this press release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements relate to, among other things, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Company's mission and vision.

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