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

  • 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
    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
  • 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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