<SEC-DOCUMENT>0001206774-20-001999.txt : 20200702
<SEC-HEADER>0001206774-20-001999.hdr.sgml : 20200702
<ACCEPTANCE-DATETIME>20200702155657
ACCESSION NUMBER:		0001206774-20-001999
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20200629
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200702
DATE AS OF CHANGE:		20200702

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN FIRST BANCSHARES INC
		CENTRAL INDEX KEY:			0001090009
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				582459561
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27719
		FILM NUMBER:		201009094

	BUSINESS ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8646799000

	MAIL ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREENVILLE FIRST BANCSHARES INC
		DATE OF NAME CHANGE:	19990707
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<DESCRIPTION>CURRENT REPORT
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<P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>UNITED STATES<BR>SECURITIES AND EXCHANGE COMMISSION<BR></FONT><FONT size=2 face=Arial>WASHINGTON, D.C. 20549</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>FORM 8-K</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=3 face=Arial>CURRENT REPORT PURSUANT<BR>TO SECTION 13 OR 15(D) OF THE<BR>SECURITIES EXCHANGE ACT OF 1934</FONT></B></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>Date of report (Date of earliest event reported)&nbsp;</FONT><U><FONT size=2 face=Arial>&nbsp;&nbsp;June 29, 2020&nbsp;&nbsp;</FONT></U></P>

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<IMG border=0 src="sfb35772725-8kx1x1.jpg"> </P>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" noWrap align=center><B><FONT size=5 face=Arial>Southern First Bancshares, Inc.</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><FONT size=2 face=Arial>(Exact name of registrant as specified in its charter)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center>&nbsp;</TD></TR></TABLE>

<TABLE style="BORDER-COLLAPSE: collapse; MARGIN: 0px auto; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="10%" border=0>



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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" align=center><B><FONT size=2 face=Arial>South Carolina</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><FONT size=2 face=Arial>(State or other jurisdiction of incorporation)</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center>&nbsp;</TD></TR></TABLE>

<TABLE style="BORDER-COLLAPSE: collapse; MARGIN: 0px auto; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="80%" border=0>



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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" noWrap align=center><B><FONT size=2 face=Arial>000-27719</FONT></B></TD>

   <TD width="90%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" noWrap align=center><B><FONT size=2 face=Arial>58-2459561</FONT></B></TD></TR>

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   <TD width="5%" noWrap align=center><FONT size=2 face=Arial>(Commission File Number)</FONT></TD>

   <TD width="90%" noWrap align=center></TD>

   <TD width="5%" noWrap align=center><FONT size=2 face=Arial>(IRS Employer Identification No.)</FONT></TD></TR>

<TR>

   <TD width="100%" colSpan=3 align=center>&nbsp;</TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" noWrap align=center><B><FONT size=2 face=Arial>100 Verdae Boulevard, Suite 100, Greenville, SC</FONT></B></TD>

   <TD width="90%" noWrap align=center></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="5%" noWrap align=center><B><FONT size=2 face=Arial>29607</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="5%" noWrap align=center><FONT size=2 face=Arial>(Address of principal executive offices)</FONT></TD>

   <TD width="90%" noWrap align=center></TD>

   <TD width="5%" noWrap align=center><FONT size=2 face=Arial>(Zip Code)</FONT></TD></TR>

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   <TD width="5%" noWrap align=center></TD>

   <TD width="90%" noWrap align=center>&nbsp;</TD>

   <TD width="5%" noWrap align=center></TD></TR></TABLE>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial>(864) 679-9000</FONT></B></TD></TR>

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   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Registrant's telephone number, including area code)</FONT></TD></TR>

<TR>

   <TD width="99%" align=center>&nbsp;</TD></TR>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial>Not Applicable</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Former name or former address, if changed since last report.)</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</FONT></P>

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   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; TEXT-ALIGN: left; PADDING-RIGHT: 8pt"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face=Arial>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD style="VERTICAL-ALIGN: top; TEXT-ALIGN: left; PADDING-RIGHT: 8pt">&nbsp;</TD>

   <TD style="VERTICAL-ALIGN: top; TEXT-ALIGN: left">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; TEXT-ALIGN: left; PADDING-RIGHT: 8pt"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face=Arial>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD style="VERTICAL-ALIGN: top; TEXT-ALIGN: left; PADDING-RIGHT: 8pt">&nbsp;</TD>

   <TD style="VERTICAL-ALIGN: top; TEXT-ALIGN: left">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; TEXT-ALIGN: left; PADDING-RIGHT: 8pt"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))</FONT></TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD style="VERTICAL-ALIGN: top; TEXT-ALIGN: left; PADDING-RIGHT: 8pt">&nbsp;</TD>

   <TD style="VERTICAL-ALIGN: top; TEXT-ALIGN: left">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="WIDTH: 1%; VERTICAL-ALIGN: top; TEXT-ALIGN: left; PADDING-RIGHT: 8pt"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD vAlign=top width="99%" align=left><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Securities registered pursuant to Section 12(b) of the Act:</FONT></P>

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   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="33%" noWrap align=center><B><FONT size=2 face=Arial>Title of each class</FONT></B></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="32%" noWrap align=center><B><FONT size=2 face=Arial>Trading Symbol(s)</FONT></B></TD>

   <TD width="1%" noWrap align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="33%" noWrap align=center><B><FONT size=2 face=Arial>Name of each exchange on which registered</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="33%" noWrap align=center><FONT size=2 face=Arial>Common Stock</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="32%" noWrap align=center><FONT size=2 face=Arial>SFST</FONT></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="33%" noWrap align=center><FONT size=2 face=Arial>The Nasdaq Global Market</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</FONT></P>

<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Emerging growth company &#9744;</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</FONT></P>

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<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>ITEM 1.01 Entry into a Material Definitive Agreement.</FONT></B></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>On June 29, 2020, Southern First Bancshares, Inc. (the &#8220;Company&#8221;) entered into an Amended and Restated Loan and Security Agreement (the &#8220;A/R Loan Agreement&#8221;) and an Amended and Restated Promissory Note (the &#8220;A/R Promissory Note&#8221;) with CenterState Bank, National Association (the &#8220;Lender&#8221;) providing for a revolving multiple advances loan of up to an aggregate principal amount of $15.0 million. The A/R Loan Agreement and A/R Promissory Note amend and restate the Company&#8217;s prior loan agreement and promissory note with the Lender. Reference is made to Exhibits 10.1 and 10.2 to the Company&#8217;s Current Report on Form 8-K filed July 3, 2017, which are incorporated herein by reference, for a further description of the prior loan agreement and promissory note with the Lender. The definition of capitalized terms, if not so defined herein, may be found in the A/R Loan Agreement.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>The A/R Loan Agreement extends the revolving line of credit to a maturity date of December 30, 2021. The interest rate under the A/R Promissory Note is variable based on One Month LIBOR or an alternate base rate which may include SOFR or another proposed LIBOR Successor Rate, and initially is set at One Month LIBOR plus 3.50%. The Company also agrees under the A/R Loan Agreement to maintain at least $3.0 million in liquid assets during the term of the Loan. On June 29, 2020, there was a zero principal balance outstanding borrowed under the A/R Loan Agreement.</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>The descriptions contained herein of the Amended &amp; Restated Loan Agreement and Amended and Restated Promissory Note do not purport to be complete and are qualified in their entirety by reference to the terms of such documents, copies of which will be filed as an exhibit to the Company&#8217;s next Quarterly Report on Form 10-Q and are incorporated herein by reference.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>Item 2.03 Creation of a Direct Financial Obligation.</FONT></B></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>The relevant disclosure set forth in Item 1.01 above is incorporated herein by reference in response to this Item 2.03.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>ITEM 9.01(d) Exhibits.</FONT></B></P>
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<TR vAlign=bottom>

   <TD STYLE="width: 3%; white-space: nowrap; text-align: left"><U><FONT size=2 face=Arial>Exhibit No.</FONT></U></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 96%; white-space: nowrap; text-align: left"><U><FONT size=2 face=Arial>Exhibit</FONT></U></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; text-align: left; background-color: Silver"><FONT size=2 face=Arial>10.1</FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left; background-color: Silver"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left; background-color: Silver"><FONT size=2 face=Arial>Amended and Restated Loan and Security Agreement, dated as of June 29, 2020, by and between Southern First Bancshares, Inc. and CenterState Bank, National Association.*</FONT></TD></TR>

<TR>

   <TD COLSPAN="3" STYLE="vertical-align: top; background-color: Silver">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD STYLE="vertical-align: top; text-align: left"><FONT size=2 face=Arial>10.2</FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="vertical-align: top; text-align: left"><FONT size=2 face=Arial>Amended and Restated Promissory Note, dated as of June 29, 2020, by and between Southern First Bancshares, Inc. and CenterState Bank, National Association.*</FONT></TD></TR>

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<TR vAlign=bottom>

   <TD width="100%" noWrap align=left>____________________<BR>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=left><FONT size=2 face=Arial>* Will be filed as an exhibit to the Company&#8217;s next
   Quarterly Report on Form 10-Q.</FONT></TD></TR></TABLE>

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<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>SIGNATURES</FONT></B></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</FONT></P>

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<TR vAlign=bottom>

   <TD width="100%" colSpan=2 align=left><B><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC.</FONT></B></TD></TR>

<TR>

   <TD width="1%">&nbsp;</TD>

   <TD width="99%"></TD></TR>


<TR vAlign=bottom>

   <TD width="1%" align=left><FONT size=2 face=Arial>By:</FONT></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" align=left><FONT size=2 face=Arial>/s/Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" align=left><FONT size=2 face=Arial>Name:&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face=Arial>Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" align=left><FONT size=2 face=Arial>Title:</FONT></TD>

   <TD width="99%" align=left><FONT size=2 face=Arial>Chief Financial Officer</FONT></TD></TR></TABLE></DIV>


<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Dated: July 2, 2020</FONT></P>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
