First Financial Holdings, Inc. operates as the holding company for First Federal Savings and Loan Association of Charleston that provides integrated financial solutions to individuals and businesses. It offers deposit products comprising noninterest-bearing checking, interest-bearing checking, savings, money market, time deposits, certificate of deposit account registry service, and brokered time deposits. The company also provides residential mortgage loans, such as one-to-four family loans, residential construction loans, and residential land loans; commercial loans, including business, construction, real estate, and land loans; and consumer loans consisting of home equity lines of credit, auto loans, marine loans, manufactured housing loans, credit card receivables, and loans on a range of other consumer products. In addition, it offers ATM and debit cards, cash management services, safe deposit boxes, and trust and fiduciary services; retirement plan consulting and administrative services; and investment management services. Further, the company engages in the reinsurance of private mortgage insurance and premium financing activities. As of September 30, 2011, it operated through 65 financial centers located in coastal South Carolina, as well as in the Florence, South Carolina; and Wilmington, North Carolina markets. The company was founded in 1934 and is headquartered in Charleston, South Carolina.

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