Bank of Travelers Rest in Travelers Rest, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Travelers Rest in Travelers Rest, South Carolina (SC)
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Bank of Travelers Rest - Overview

  • General
  • FDIC Certificate #: 16389
    Status: Active
    Federal Reserve ID: 589523
    Bank Holding Company (Regulatory Top Holder): Travelers Rest Bancshares, Inc. (RSSDID: 2730383, Location: Travelers Rest, SC)
    Date Established: March 10, 1946
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 10996
    FDIC's unique #: 10568
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 18, 1946
    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: 42 Plaza Drive, Travelers Rest, SC 29690
    County: Greenville
    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): Greenville-Spartanburg-Anderson, SC (#3160)
    Combined Statistical Area (CSA): Greenville-Spartanburg-Anderson, SC (#273)
    Core Based Statistical Area (CBSA): Greenville-Mauldin-Easley, SC (#24860)
    CBSA Metro Statistical Area: Greenville-Mauldin-Easley, SC (#24860)
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $481.2 mil
    Equity capital: $43.4 mil
    Deposits held in domestic offices: $419.9 mil
    Return on assets (ROA): 0.79% ($3.8 mil)
    Quarterly return on assets: 0.89% ($4.3 mil)
    Return on Equity (ROE): 10.12% ($4.4 mil)
    Quarterly return on equity: 10.15% ($4.4 mil)
    Net income: $4.0 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.83% ($3,993.9 mil)
    Quarterly Pretax return on assets: 0.93% ($4,475.1 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
  • 122Total employees (full-time equivalent)
  • $481,194Total assets
  • $20,768Cash and due from depository institutions
  • $9,942Interest-bearing balances
  • $125,211Securities
  • $4,042Federal funds sold & reverse repurchase agreements
  • $299,390Net loans & leases
  • $6,229Loan loss allowance
  • $0Trading account assets
  • $10,664Bank premises and fixed assets
  • $6,403Other real estate owned
  • $0Goodwill and other intangibles
  • $481,194Life insurance assets
  • $14,716All other assets
  • $437,765Total liabilities and capital
  • $419,946Total liabilities
  • $373,615Total deposits
  • $419,946Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 4845.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,484Trading liabilities
  • $0Other borrowed funds
  • $3,490Subordinated debt
  • $43,429All other liabilities
  • $43,429Total equity capital
  • $43,429Total bank equity capital
  • $0Perpetual preferred stock
  • $3,127Common stock
  • $18,534Surplus
  • $21,768Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $254Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,304Income earned, not collected on loans
  • $174Earning assets
  • $1,985Long-term assets (5+ years)
  • $438,585Average Assets, year-to-date
  • $186,096Average Assets, quarterly
  • $500,526Volatile liabilities
  • $487,637Insider loans
  • $331,837FHLB advances
  • $483,844Loans and leases held for sale
  • $9,455Unused loan commitments
  • $5,290Tier 1 (core) risk-based capital
  • $39,626Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,165Total unused commitments
  • $62,443Restructured Loans and leases
  • $5,496Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,668Total interest income
  • $5,118Total interest expense
  • $16,550Net interest income
  • $4,204Provision for loan and lease losses
  • $6,153Total noninterest income
  • $0Fiduciary activities
  • $3,825Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,328Additional noninterest income
  • $15,507Total noninterest expense
  • $8,244Salaries and employee benefits
  • $1,737Premises and equipment expense
  • $5,526Additional noninterest expense
  • $2,992Pre-tax net operating income
  • $1,151Securities gains (losses)
  • $188Applicable income taxes
  • $3,955Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,955Net income attributable to bank
  • $0Net charge-offs
  • $3,955Cash dividends
  • $3,190Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.64%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 10.12%Return on equity (ROE)
  • 10.12%Retained earnings to average equity (YTD only)
  • 1.04%Net charge-offs to loans
  • 131.79%Credit loss provision to net charge-offs
  • 2.26%Efficiency ratio
  • 68,304Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.04%Loss allowance to noncurrent loans
  • 66.95%Noncurrent assets plus other real estate owned to assets
  • 3.26%Noncurrent loans to loans
  • 3.04%Net loans and leases to deposits
  • 71.29%Net loans and leases to core deposits
  • 77.86%Equity capital to assets
  • 9.03%Core capital (leverage) ratio
  • 8.19%Tier 1 risk-based capital ratio
  • 11.94%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $500,526Average earning assets
  • $39,089Average equity
  • $454,636Average loans

List of branches

  • 9 South Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010568Bank Of Travelers Rest42 Plaza Drive, Travelers Rest, SC 29690March 10, 1946Full Service Brick and Mortar
    1237985Marietta Branch3211 Geer Hwy, Marietta, SC 29661June 27, 1962Full Service Brick and Mortar
    2237986Roe Road Branch15 Roe Road, Travelers Rest, SC 29690April 15, 1970Full Service Brick and Mortar
    3237987Old Buncombe Road BranchOld Buncombe And Duncan Chapel Roads, Greenville, SC 29609April 17, 1978Full Service Brick and Mortar
    4237988White Horse Road Branch6204 White Horse Road, Greenville, SC 29611March 15, 1990Full Service Brick and Mortar
    5357191North Pleasantburg Branch2021 North Pleasantburg Drive, Greenville, SC 29609June 21, 2000Full Service Brick and Mortar
    6431391Pelham Ridge Branch201 Pelham Road, Greenville, SC 29615August 16, 2004Full Service Brick and Mortar
    7469489Downtown Greenville Office217-B East Washington Street, Greenville, SC 29601October 22, 2007Full Service Brick and Mortar
    8473402Taylors Branch6000 Wade Hampton Boulevard, Taylors, SC 29687November 21, 2007Full Service Brick and Mortar

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