Southern First Bancshares, Inc. reported net charge-offs for the fourth quarter ended December 31, 2019. Net charge-offs were $256,000, or 0.06% on an annualized basis, for the fourth quarter of 2019 compared to $946,000, or 0.21% of net charge-offs, annualized, for the third quarter of 2019. Net charge-offs were $978,000 for the fourth quarter of 2018, or 0.23% on an annualized basis.