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- Banks in South Carolina (SC)
- Rock Hill Bank & Trust
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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- Banks in South Carolina (SC)
- Rock Hill Bank & Trust
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