SCBT National Association in Orangeburg, South Carolina (SC), GA, NC
Overview, Financial Summary, Detailed Financial Reports, Branches


SCBT National Association - Overview

  • General
  • FDIC Certificate #: 13425
    Status: Active
    Federal Reserve ID: 540926
    Bank Holding Company (Regulatory Top Holder): Scbt Financial Corporation (RSSDID: 1133437, Location: Columbia, SC)
    Date Established: January 01, 1934
    WWW: http://www.scbtonline.com
    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: 83 (Domestic: 83, Interstate: Yes)
    FDIC's unique #: 8453
    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: July 29, 2011
    Last Structure Change Process Date: August 01, 2011
    Last Data Update: August 01, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 950 John C. Calhoun Drive, S.E., Orangeburg, SC 29115
    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
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $3,893.8 mil
    Equity capital: $420.2 mil
    Deposits held in domestic offices: $3,257.7 mil
    Return on assets (ROA): 0.63% ($24.5 mil)
    Quarterly return on assets: 0.53% ($20.6 mil)
    Return on Equity (ROE): 6.02% ($25.3 mil)
    Quarterly return on equity: 4.91% ($20.6 mil)
    Net income: $24.2 mil
    Quarterly Net income: $5.2 mil
    Pretax return on assets: 0.93% ($36,212.2 mil)
    Quarterly Pretax return on assets: 0.65% ($25,309.6 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
  • 1,071Total employees (full-time equivalent)
  • $3,893,784Total assets
  • $130,202Cash and due from depository institutions
  • $41,133Interest-bearing balances
  • $305,438Securities
  • $39,874Federal funds sold & reverse repurchase agreements
  • $2,837,798Net loans & leases
  • $80,777Loan loss allowance
  • $0Trading account assets
  • $94,250Bank premises and fixed assets
  • $83,871Other real estate owned
  • $74,426Goodwill and other intangibles
  • $3,893,784Life insurance assets
  • $327,925All other assets
  • $3,473,543Total liabilities and capital
  • $3,257,667Total liabilities
  • $2,596,018Total deposits
  • $3,257,667Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 180436.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,351Trading liabilities
  • $0Other borrowed funds
  • $33,089Subordinated debt
  • $420,241All other liabilities
  • $420,241Total equity capital
  • $420,241Total bank equity capital
  • $0Perpetual preferred stock
  • $2,831Common stock
  • $231,441Surplus
  • $185,969Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $45,809Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $174,475Income earned, not collected on loans
  • $0Earning assets
  • $11,527Long-term assets (5+ years)
  • $3,224,243Average Assets, year-to-date
  • $615,934Average Assets, quarterly
  • $3,843,676Volatile liabilities
  • $3,913,261Insider loans
  • $2,506,446FHLB advances
  • $3,870,259Loans and leases held for sale
  • $22,111Unused loan commitments
  • $22,111Tier 1 (core) risk-based capital
  • $347,808Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $527,329Restructured Loans and leases
  • $18,134Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $171,651Total interest income
  • $18,209Total interest expense
  • $153,442Net interest income
  • $30,236Provision for loan and lease losses
  • $44,053Total noninterest income
  • $3,524Fiduciary activities
  • $22,655Service charges on deposit accounts
  • $0Trading account gains & fees
  • $17,874Additional noninterest income
  • $131,846Total noninterest expense
  • $69,491Salaries and employee benefits
  • $20,160Premises and equipment expense
  • $42,195Additional noninterest expense
  • $35,413Pre-tax net operating income
  • $328Securities gains (losses)
  • $11,530Applicable income taxes
  • $24,211Income before extraordinary items
  • $0Extraordinary gains - net
  • $24,211Net income attributable to bank
  • $0Net charge-offs
  • $24,211Cash dividends
  • $26,803Sale, conversion, retirement of capital stock, net
  • $9,514Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.83%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 6.02%Return on equity (ROE)
  • 3.65%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 112.81%Credit loss provision to net charge-offs
  • 2.45%Efficiency ratio
  • 65,751Assets per employee
  • 3.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.30%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 46.30%Noncurrent assets plus other real estate owned to assets
  • 6.63%Noncurrent loans to loans
  • 5.98%Net loans and leases to deposits
  • 87.11%Net loans and leases to core deposits
  • 91.35%Equity capital to assets
  • 10.79%Core capital (leverage) ratio
  • 8.99%Tier 1 risk-based capital ratio
  • 13.88%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $3,843,676Average earning assets
  • $402,439Average equity
  • $3,179,632Average 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
  • $422,292Managed Assets
  • 1Number of Accounts
  • $358,221Personal trust and agency accounts
  • $135,688Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $38,122Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $182,786Other fiduciary accounts
  • $1,625Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 524Number of Accounts
  • $0Personal trust and agency accounts
  • $1,188Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $64,071Other retirement accounts
  • $40,764Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $137Fiduciary accounts held in foreign offices

List of branches

  • 26 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    763886Community Bank And Trust Branch448 North Main Street, Cornelia, GA 30531August 03, 1900Full Service Brick and Mortar
    79208031Ingles Supermarket Branch Cornelia199 Habersham Co Shopping Center, Cornelia, GA 30531January 09, 1984Full Service Retail
    80208033Ingles Supermarket Branch Clarkesvll204 Clarkesville Station, Clarkesville, GA 30523December 19, 1988Full Service Retail
    83208038Limestone Banking Center Wd Branch2500 Limestone Parkway, Gainesville, GA 30506January 02, 1997Full Service Retail
    84282665Clarkesville Main Office Banking999 South Washington Street, Clarkesville, GA 30544January 01, 1956Full Service Brick and Mortar
    85208040Gainesville Main Office Banking Ctr450 Ee Butler Pkwy, Gainesville, GA 30501April 16, 1998Full Service Brick and Mortar
    88282670Toccoa Branch1111 S. Big A Road, Toccoa, GA 30577June 30, 1989Full Service Retail
    89294932Gainesville Branch340 Jesse Jewell Pky, Gainesville, GA 30501June 15, 1996Full Service Brick and Mortar
    92557Main Office Commerce1851 North Elm Street, Commerce, GA 30529January 01, 1892Full Service Brick and Mortar
    93186481Drive-In Facility209 North Elm Street, Commerce, GA 30529August 14, 1980Limited Service Facility
    94186482Ingles Commerce Banking Center241 South Elm Street, Commerce, GA 30529May 04, 1988Full Service Retail
    97186486Jefferson Main Banking Center71 Memorial Drive, Jefferson, GA 30549April 13, 1998Full Service Brick and Mortar
    98301170Wal-Mart Banking Center Branch30983 South Highway 441 South, Commerce, Commerce, GA 30529March 16, 2000Full Service Retail
    99360431Kroger #437 Branch3630 Thompson Bridge Road, Gainesville, GA 30506May 17, 2001Full Service Retail
    101363332Wal-Mart #520 Branch440 Atlanta Highway, N.W., Winder, GA 30680Febuary 20, 2002Full Service Retail
    102364062Wal-Mart #1400 Branch455 Epps Bridge Parkway, Suite 104, Athens, GA 30606June 19, 2002Full Service Retail
    103422420Winder Lpo Branch165 W. Athens Street, Athens, GA 30606March 06, 2003Limited Service Loan Production
    105430567Clayton Main Office Branch174 Hwy 441 North, Clayton, GA 30525September 15, 2003Full Service Brick and Mortar
    107433926Winder Main Branch4 Mimosa Street, Winder, GA 30680January 21, 2005Full Service Brick and Mortar
    108448820Toccoa Wal-Mart #11223886 Georgia Highway 117, Toccoa, GA 30577January 30, 2006Limited Service Retail
    112465792Hiawassee Banking Center Branch232 B Chatuge Way, Hiawassee, GA 30546July 23, 2007Full Service Brick and Mortar
    119118Habersham Bank Branch201 North Washington Street, Clarkesville, GA 30523May 13, 1904Full Service Brick and Mortar
    120181241South Habersham BranchU.S. Highway 123, Baldwin, GA 30511December 11, 1972Full Service Brick and Mortar
    121181242The Cornelia BranchHighway 441 Near Cannon Bridge Road, Cornelia, GA 30531Febuary 21, 1980Full Service Brick and Mortar
    122181244Cleveland Branch575 South Main Street, Cleveland, GA 30528May 15, 1997Full Service Brick and Mortar
    12346419Canton Branch1600 Marietta Highway, Canton, GA 30114October 22, 1990Full Service Brick and Mortar
  • 3 North Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    70290786Cotswold Branch325 South Sharon Amity Road, Charlotte, NC 28211October 05, 1998Full Service Brick and Mortar
    71360568Southpark Branch6525 Morrison Boulevard, Charlotte, NC 28211March 26, 2001Full Service Brick and Mortar
    73493771Myers Park Branch1057 Providence Road, Charlotte, NC 28207November 08, 2008Full Service Brick and Mortar
  • 50 South Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08453Scbt National Association950 John C. Calhoun Drive, S.E., Orangeburg, SC 29115January 01, 1934Full Service Brick and Mortar
    4229621St. George Branch5542 Memorial Boulevard, Saint George, SC 29477May 06, 1969Full Service Brick and Mortar
    6229623Ridgeland Branch207 Jacob Smart Boulevard, Ridgeland, SC 29936July 14, 1967Full Service Brick and Mortar
    7229624Edisto Drive Branch2705 Old Edisto Road, Orangeburg, SC 29115August 26, 1971Limited Service Facility
    8229625Harleyville Branch122 Main Street, Harleyville, SC 29448April 25, 1974Full Service Brick and Mortar
    9229626Robertson Boulevard Branch600 Robertson Boulevard, Walterboro, SC 29488April 07, 1976Full Service Brick and Mortar
    11229627601 Branch3025 St. Matthews Rd., Orangeburg, SC 29118July 19, 1982Full Service Brick and Mortar
    15191170Bamberg Branch317 North Main Street, Bamberg, SC 29003November 18, 1963Full Service Brick and Mortar
    19224863Moncks Corner Branch317 Highway 52, North, Moncks Corner, SC 29461Febuary 05, 1973Full Service Brick and Mortar
    209370Elloree Branch6512 Old No. 6 Hwy., Elloree, SC 29047January 01, 1935Full Service Brick and Mortar
    21232575Santee Branch657 Bass Drive, Santee, SC 29142July 01, 1964Full Service Brick and Mortar
    225743North Jeffries Branch520 North Jeffries Boulevard, Walterboro, SC 29488January 01, 1902Full Service Brick and Mortar
    24229633Bluffton Branch1328 Fording Island Road, Bluffton, SC 29910August 22, 1996Full Service Brick and Mortar
    25229634Mortgage Loan Division Branch1170 Boulevard Street, Orangeburg, SC 29115Febuary 12, 1998Limited Service Loan Production
    28219242Hardeeville Branch26 South Coastal Highway 17, Hardeeville, SC 29927October 21, 1963Full Service Brick and Mortar
    2945154Beaufort Branch1121 Boundary Street, Beaufort, SC 29901March 17, 1986Full Service Brick and Mortar
    3261409Gervais Street Branch520 Gervais Street, Columbia, SC 29201December 19, 1997Full Service Brick and Mortar
    34340772Messenger Service Branch520 Gervais Street, Columbia, SC 29201April 24, 2000Limited Service Messenger
    35357343St. Matthews Road Branch1255 St. Matthews Road, Orangeburg, SC 29118September 27, 1999Full Service Brick and Mortar
    36357344Ladys Island Branch189 Sea Island Parkway, Beaufort, SC 29907August 30, 1999Full Service Brick and Mortar
    37357426Columbia Northeast Branch2010 Clemson Road, Columbia, SC 29229July 20, 2000Full Service Brick and Mortar
    38364497East Broad Street Branch200 East Broad Street, Greenville, SC 29601June 24, 2002Full Service Brick and Mortar
    40419194Messenger Service Branch1255 St. Matthews Road, Orangeburg, SC 29115June 02, 2003Limited Service Messenger
    4161199Florence Office1600 West Palmetto Street, Florence, SC 29501April 01, 1998Full Service Brick and Mortar
    42290780Lake City Branch266 West Main Street, Lake City, SC 29560April 08, 1998Full Service Brick and Mortar
    43290781Messenger Service1600 West Palmetto Street, Florence, SC 29501April 01, 1998Limited Service Messenger
    44424715Pelham Road Branch3622 Pelham Road, Greenville, SC 29615January 08, 2004Full Service Brick and Mortar
    45425117Knox Abbott Drive Branch1100 Knox Abbott Drive, Cayce, SC 29033November 20, 2003Full Service Brick and Mortar
    47432896Summerville Main Street Branch402 - D North Main Street, Summerville, SC 29483October 15, 2004Full Service Brick and Mortar
    4974659New Commerce Bank, Na Branch501 New Commerce Court, Greenville, SC 29607May 17, 1999Full Service Brick and Mortar
    50364203Simpsonville Branch#1 Five Forks Plaza Court, Simpsonville, SC 29681May 07, 2000Full Service Brick and Mortar
    51442558Denmark Branch18587 Heritage Way, Denmark, SC 29042Febuary 17, 2004Full Service Brick and Mortar
    5280246Murrells Inlet Branch4210 Highway 17 Bypass, Murrells Inlet, SC 29576November 15, 2000Full Service Brick and Mortar
    53360666Georgetown Branch1134 North Fraser Street, Georgetown, SC 29440July 09, 2001Full Service Brick and Mortar
    55451167Summerville Messenger Service Branch402 - B North Main Street, Summerville, SC 29483August 30, 2005Limited Service Messenger
    56451177Forest Drive Branch4132 Forest Drive, Columbia, SC 29204April 03, 2006Full Service Brick and Mortar
    57453446Lexington Branch5109 Sunset Boulevard, Lexington, SC 29072Febuary 10, 2006Full Service Brick and Mortar
    58453447Charleston Broad Street Branch46 Broad Street, Charleston, SC 29401Febuary 01, 2006Full Service Brick and Mortar
    59463148Myrtle Beach Oak Street Branch1550 Oak Street, Myrtle Beach, SC 29577March 26, 2007Full Service Brick and Mortar
    61466309Irmo Branch201 Columbiana Drive, Columbia, SC 29212October 02, 2006Full Service Brick and Mortar
    6256862Rock Hill Branch1127 Ebenezer Road, Rock Hill, SC 29732July 11, 1996Full Service Brick and Mortar
    63290467Fort Mill Branch808 East Tom Hall Street, Fort Mill, SC 29715September 18, 1996Full Service Brick and Mortar
    64290468Courier Service Branch1127 Ebenezer Road, Rock Hill, SC 29732Febuary 10, 1997Limited Service Messenger
    65290469York Branch801 E. Liberty Street, York, SC 29745January 12, 1999Full Service Brick and Mortar
    66366292Main Street Branch1274 E. Main Street, Rock Hill, SC 29730Febuary 10, 2003Full Service Brick and Mortar
    67442565Highway 160817 Dave Gibson Boulevard, Fort Mill, SC 29708September 24, 2004Full Service Brick and Mortar
    74493772James Island Branch315 Folly Road, Charleston, SC 29412December 22, 2008Full Service Brick and Mortar
    75499281Mt. Pleasant Branch1032 Johnnie Dobbs Blvd, Mount Pleasant, SC 29464November 16, 2009Full Service Brick and Mortar
    128456605Hilton Head Branch1036 William Hilton Pkwy, Ste 101, Hilton Head Island, SC 29928May 18, 2006Full Service Brick and Mortar
    129456606Spartanburg Branch320 Main Street, Spartanburg, SC 29302October 13, 2006Full Service Brick and Mortar

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