First National Bank of South Carolina in city_name, state_name

First National Bank of South Carolina in Holly Hill, South Carolina (SC)
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First National Bank of South Carolina routing number info

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First National Bank of South Carolina - Overview

General
FDIC Certificate #: 2107
Status: Active
Federal Reserve ID: 347022
Bank Holding Company (Regulatory Top Holder): Fnb Corporation (RSSDID: 1143230, Location: Holly Hill, SC)
Date Established: September 15, 1905
WWW: http://www.fnbsc.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 15676
FDIC's unique #: 1387
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 801 Gilway Avenue, Holly Hill, SC 29059
County: Orangeburg
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Columbia Sc
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Orangeburg, SC (#36700)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $155.6 mil
Equity capital: $23.5 mil
Deposits held in domestic offices: $129.2 mil
Return on assets (ROA): 0.40% ($0.6 mil)
Quarterly return on assets: 0.31% ($0.5 mil)
Return on Equity (ROE): 2.62% ($0.6 mil)
Quarterly return on equity: 2.06% ($0.5 mil)
Net income: $0.6 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.64% ($995.5 mil)
Quarterly Pretax return on assets: 0.50% ($777.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
68Total employees (full-time equivalent)
$155,552Total assets
$26,296Cash and due from depository institutions
$24,490Interest-bearing balances
$31,792Securities
$3,441Federal funds sold & reverse repurchase agreements
$82,006Net loans & leases
$1,799Loan loss allowance
$0Trading account assets
$7,062Bank premises and fixed assets
$2,567Other real estate owned
$0Goodwill and other intangibles
$155,552Life insurance assets
$2,388All other assets
$132,020Total liabilities and capital
$129,158Total liabilities
$106,006Total deposits
$129,158Interest-bearing deposits
$93Deposits held in domestic offices
2536.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$326Subordinated debt
$23,532All other liabilities
$23,532Total equity capital
$23,532Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$2,500Surplus
$18,532Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,494Income earned, not collected on loans
$0Earning assets
$630Long-term assets (5+ years)
$141,729Average Assets, year-to-date
$35,147Average Assets, quarterly
$156,306Volatile liabilities
$156,949Insider loans
$95,169FHLB advances
$157,897Loans and leases held for sale
$808Unused loan commitments
$808Tier 1 (core) risk-based capital
$23,499Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,237Restructured Loans and leases
$4,042Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,261Total interest income
$660Total interest expense
$5,601Net interest income
$225Provision for loan and lease losses
$1,730Total noninterest income
$32Fiduciary activities
$1,187Service charges on deposit accounts
$0Trading account gains & fees
$511Additional noninterest income
$6,111Total noninterest expense
$3,341Salaries and employee benefits
$1,036Premises and equipment expense
$1,734Additional noninterest expense
$995Pre-tax net operating income
$0Securities gains (losses)
$377Applicable income taxes
$618Income before extraordinary items
$0Extraordinary gains - net
$618Net income attributable to bank
$0Net charge-offs
$618Cash dividends
$20Sale, conversion, retirement of capital stock, net
$400Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.44%Yield on earning assets
0.47%Cost of funding earning assets
3.97%Net interest margin
1.23%Noninterest income to earning assets
4.33%Noninterest expense to earning assets
0.40%Net operating income to assets
0.40%Return on assets (ROA)
0.64%Pretax return on assets
2.62%Return on equity (ROE)
0.93%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
1125.00%Credit loss provision to net charge-offs
61.00%Efficiency ratio
83,358Assets per employee
2.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.72%Loss allowance to loans
2.15%Loss allowance to noncurrent loans
32.74%Noncurrent assets plus other real estate owned to assets
5.18%Noncurrent loans to loans
6.56%Net loans and leases to deposits
63.49%Net loans and leases to core deposits
67.83%Equity capital to assets
15.13%Core capital (leverage) ratio
14.88%Tier 1 risk-based capital ratio
24.69%Total risk-based capital ratio
Memoranda
$26Average assets
$156,306Average earning assets
$23,554Average equity
$141,015Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$3,664Managed Assets
1Number of Accounts
$3,664Personal trust and agency accounts
$3,664Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
48Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

8 South Carolina Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1387	First National Bank Of South Carolin	801 Gilway Avenue, Holly Hill, SC 29059	September 15, 1905	Full Service Brick and Mortar
1	191319	Eutawville Branch	12181 Old Number Six Highway, Eutawville, SC 29048	April 05, 1965	Full Service Brick and Mortar
2	191320	Harleyville Branch	143 West Main Street, Harleyville, SC 29448	August 06, 1958	Full Service Brick and Mortar
3	191321	Summerville Branch	415 North Main Street, Summerville, SC 29483	December 22, 1961	Full Service Brick and Mortar
4	191322	Boone Hill Branch	1400 Boonehill Road, Summerville, SC 29483	March 23, 1981	Full Service Brick and Mortar
5	191323	Ridgeville Branch	173 Church Street, Ridgeville, SC 29472	December 06, 1982	Full Service Brick and Mortar
6	191324	Sangaree Branch	1710 North Main Street, Summerville, SC 29485	January 04, 1988	Full Service Brick and Mortar
7	191325	Goose Creek Branch	106 Thomason Boulevard, Goose Creek, SC 29445	April 15, 1999	Full Service Brick and Mortar

First National Bank of South Carolina in Holly Hill, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of South Carolina - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of South Carolina in Holly Hill, South Carolina (SC)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of South Carolina - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank of South Carolina in Holly Hill, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches