People's Community Bank of South Carolina - Overview
General
FDIC Certificate #: 34529 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Citizens Bank and Trust Company, Inc. (#15504) Federal Reserve ID: 2596637 Date Established: September 22, 1997 WWW:http://www.pcbonline.net Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 15632 FDIC's unique #: 59036 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: September 22, 1997 Last Structure Change Effective Date: May 01, 2005 Last Structure Change Process Date: June 15, 2005 Last Data Update: June 15, 2005 Data Source Date: April 05, 2012
Location
Address: 125 Park Avenue, S.W., Aiken, SC 29801 County: Aiken 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 Metropolitan Statistical Area (MSA): Augusta-Aiken, GA-SC (#600) Core Based Statistical Area (CBSA): Augusta-Richmond County, GA-SC (#12260) CBSA Metro Statistical Area: Augusta-Richmond County, GA-SC (#12260)
Financial Summary
Total assets: $129.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
33Total employees (full-time equivalent)
$124,828Total assets
$2,174Cash and due from depository institutions
$16Interest-bearing balances
$40,885Securities
$939Federal funds sold & reverse repurchase agreements
$76,521Net loans & leases
$1,085Loan loss allowance
$0Trading account assets
$2,813Bank premises and fixed assets
$100Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,396All other assets
$124,828Total liabilities and capital
$114,685Total liabilities
$107,612Total deposits
$91,743Interest-bearing deposits
$107,612Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,976Other borrowed funds
$0Subordinated debt
$97All other liabilities
$10,143Total equity capital
$10,143Total bank equity capital
$10,143Perpetual preferred stock
$0Common stock
$3,000Surplus
$3,000Undivided profits
Memoranda
$4,143Noncurrent loans and leases
$27,300Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$574Average Assets, year-to-date
$118,361Average Assets, quarterly
$14,219Volatile liabilities
$117,692Insider loans
$123,427FHLB advances
$27,784Loans and leases held for sale
$4,783Unused loan commitments
$6,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$27,300Total unused commitments
$0Restructured Loans and leases
$1,085Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,937Total interest income
$1,245Total interest expense
$4,692Net interest income
$176Provision for loan and lease losses
$776Total noninterest income
$0Fiduciary activities
$509Service charges on deposit accounts
$0Trading account gains & fees
$267Additional noninterest income
$3,410Total noninterest expense
$1,909Salaries and employee benefits
$324Premises and equipment expense
$1,177Additional noninterest expense
$1,882Pre-tax net operating income
$14Securities gains (losses)
$625Applicable income taxes
$1,271Income before extraordinary items
$0Extraordinary gains - net
$1,271Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$31Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.35%Yield on earning assets
1.12%Cost of funding earning assets
4.23%Net interest margin
0.70%Noninterest income to earning assets
3.07%Noninterest expense to earning assets
1.07%Net operating income to assets
1.08%Return on assets (ROA)
1.61%Pretax return on assets
13.44%Return on equity (ROE)
13.44%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
567.74%Credit loss provision to net charge-offs
66.39%Efficiency ratio
62,363Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.08%Noncurrent loans to loans
0.00%Net loans and leases to deposits
71.11%Net loans and leases to core deposits
92.97%Equity capital to assets
8.13%Core capital (leverage) ratio
7.97%Tier 1 risk-based capital ratio
11.31%Total risk-based capital ratio
Memoranda
$13Average assets
$117,692Average earning assets
$9,456Average equity
$110,920Average loans
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