Rock Hill Bank & Trust in Rock Hill, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 2002

  • Rock Hill Bank & Trust in Rock Hill, South Carolina (SC)
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Rock Hill Bank & Trust - Overview

  • General
  • FDIC Certificate #: 34177
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Carolina First Bank (#26849)
    Federal Reserve ID: 2403548
    Date Established: May 20, 1996
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 56835
    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: May 20, 1996
    Last Structure Change Effective Date: November 01, 2002
    Last Structure Change Process Date: January 16, 2003
    Last Data Update: January 16, 2003
    Data Source Date: April 05, 2012
  • Location
  • Address: 315 East Main Street, Rock Hill, SC 29731
    County: York
    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): Charlotte-Gastonia-Rock Hill, NC-SC (#1520)
    Combined Statistical Area (CSA): Charlotte-Gastonia-Salisbury, NC-SC (#172)
    Core Based Statistical Area (CBSA): Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
    CBSA Metro Statistical Area: Charlotte-Gastonia-Rock Hill, NC-SC (#16740)
  • Financial Summary
  • Total assets: $202.9 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, 2001)

  • Dollar figures in thousands
  • 46Total employees (full-time equivalent)
  • $232,463Total assets
  • $6,713Cash and due from depository institutions
  • $2,631Interest-bearing balances
  • $16,051Securities
  • $17,756Federal funds sold & reverse repurchase agreements
  • $185,826Net loans & leases
  • $1,933Loan loss allowance
  • $0Trading account assets
  • $1,422Bank premises and fixed assets
  • $324Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $4,371All other assets
  • $232,463Total liabilities and capital
  • $213,301Total liabilities
  • $183,329Total deposits
  • $174,712Interest-bearing deposits
  • $183,329Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,001Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $25,000Other borrowed funds
  • $0Subordinated debt
  • $971All other liabilities
  • $19,162Total equity capital
  • $19,162Total bank equity capital
  • $19,162Perpetual preferred stock
  • $0Common stock
  • $1,376Surplus
  • $14,014Undivided profits
  • Memoranda
  • $3,772Noncurrent loans and leases
  • $32,355Noncurrent 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)
  • $1,717Average Assets, year-to-date
  • $222,264Average Assets, quarterly
  • $2,295Volatile liabilities
  • $216,832Insider loans
  • $226,797FHLB advances
  • $83,014Loans and leases held for sale
  • $143Unused loan commitments
  • $25,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $32,355Total unused commitments
  • $0Restructured Loans and leases
  • $1,933Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $16,846Total interest income
  • $9,672Total interest expense
  • $7,174Net interest income
  • $2,195Provision for loan and lease losses
  • $639Total noninterest income
  • $106Fiduciary activities
  • $406Service charges on deposit accounts
  • $0Trading account gains & fees
  • $127Additional noninterest income
  • $5,275Total noninterest expense
  • $1,980Salaries and employee benefits
  • $812Premises and equipment expense
  • $2,483Additional noninterest expense
  • $343Pre-tax net operating income
  • $0Securities gains (losses)
  • $137Applicable income taxes
  • $206Income before extraordinary items
  • $0Extraordinary gains - net
  • $206Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,863Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.16%Yield on earning assets
  • 4.69%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.56%Noninterest expense to earning assets
  • 0.10%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • 1.17%Return on equity (ROE)
  • 1.17%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 117.82%Credit loss provision to net charge-offs
  • 1.36%Efficiency ratio
  • 67,413Assets per employee
  • 5.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 101.36%Net loans and leases to core deposits
  • 178.14%Equity capital to assets
  • 8.24%Core capital (leverage) ratio
  • 8.53%Tier 1 risk-based capital ratio
  • 9.86%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $216,832Average earning assets
  • $17,628Average equity
  • $206,394Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,625Managed Assets
  • 1Number of Accounts
  • $2,664Personal trust and agency accounts
  • $2,480Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $187Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 82Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8,961Other retirement accounts
  • $4,089Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $4,872Fiduciary accounts held in foreign offices

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