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
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)68
Total assets$155,552
Cash and due from depository institutions$26,296
Interest-bearing balances$24,490
Federal funds sold & reverse repurchase agreements$3,441
Net loans & leases$82,006
Loan loss allowance $1,799
Trading account assets$0
Bank premises and fixed assets$7,062
Other real estate owned$2,567
Goodwill and other intangibles$0
All other assets$2,388
Life insurance assets$155,552
Total liabilities and capital$132,020
Total liabilities$129,158
Total deposits$106,006
Interest-bearing deposits$129,158
Deposits held in domestic offices$93
% insured (estimated)2536.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $326
All other liabilities $23,532
Total equity capital$23,532
Total bank equity capital$23,532
Perpetual preferred stock$0
Common stock$2,500
Undivided profits $18,532
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,494
Earning assets $0
Long-term assets (5+ years) $630
Average Assets, year-to-date $141,729
Average Assets, quarterly $35,147
Volatile liabilities $156,306
Insider loans $156,949
FHLB advances $95,169
Loans and leases held for sale $157,897
Unused loan commitments $808
Tier 1 (core) risk-based capital $808
Tier 2 risk-based capital $23,499
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,237
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,261
Total interest expense $660
Net interest income $5,601
Provision for loan and lease losses $225
Total noninterest income $1,730
Fiduciary activities $32
Service charges on deposit accounts $1,187
Trading account gains & fees $0
Additional noninterest income $511
Total noninterest expense $6,111
Salaries and employee benefits $3,341
Premises and equipment expense $1,036
Additional noninterest expense $1,734
Pre-tax net operating income $995
Securities gains (losses) $0
Applicable income taxes $377
Income before extraordinary items $618
Extraordinary gains - net $0
Net income attributable to bank $618
Net charge-offs $0
Cash dividends $618
Sale, conversion, retirement of capital stock, net $20
Net operating income $400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.44%
Cost of funding earning assets 0.47%
Net interest margin 3.97%
Noninterest income to earning assets 1.23%
Noninterest expense to earning assets 4.33%
Net operating income to assets 0.40%
Return on assets (ROA) 0.40%
Pretax return on assets 0.64%
Return on equity (ROE) 2.62%
Retained earnings to average equity (YTD only) 0.93%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 1125.00%
Efficiency ratio61.00%
Assets per employee$83,358
Cash dividends to net income (YTD only)2.29%
Condition Ratios (%)
Loss allowance to loans 64.72%
Loss allowance to noncurrent loans 2.15%
Noncurrent assets plus other real estate owned to assets 32.74%
Noncurrent loans to loans 5.18%
Net loans and leases to deposits6.56%
Net loans and leases to core deposits 63.49%
Equity capital to assets 67.83%
Core capital (leverage) ratio 15.13%
Tier 1 risk-based capital ratio 14.88%
Total risk-based capital ratio 24.69%
Average assets$26
Average earning assets$156,306
Average equity $23,554
Average loans $141,015
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$3,664
Number of Accounts1
Personal trust and agency accounts$3,664
Employee benefit-defined contribution accounts$3,664
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts48
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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8 South Carolina Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01387First National Bank Of South Carolin801 Gilway Avenue, Holly Hill, SC 29059September 15, 1905Full Service Brick and Mortar
1191319Eutawville Branch12181 Old Number Six Highway, Eutawville, SC 29048April 05, 1965Full Service Brick and Mortar
2191320Harleyville Branch143 West Main Street, Harleyville, SC 29448August 06, 1958Full Service Brick and Mortar
3191321Summerville Branch415 North Main Street, Summerville, SC 29483December 22, 1961Full Service Brick and Mortar
4191322Boone Hill Branch1400 Boonehill Road, Summerville, SC 29483March 23, 1981Full Service Brick and Mortar
5191323Ridgeville Branch173 Church Street, Ridgeville, SC 29472December 06, 1982Full Service Brick and Mortar
6191324Sangaree Branch1710 North Main Street, Summerville, SC 29485January 04, 1988Full Service Brick and Mortar
7191325Goose Creek Branch106 Thomason Boulevard, Goose Creek, SC 29445April 15, 1999Full Service Brick and Mortar
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