The Conway National Bank in Conway, South Carolina (SC)

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The Conway National Bank
GeneralFDIC Certificate #: 2102
Status: Active
Federal Reserve ID: 631422
Bank Holding Company (Regulatory Top Holder): Cnb Corporation (RSSDID: 1134108, Location: Conway, SC)
Date Established: January 01, 1914
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: 15 (Domestic: 15, Interstate: No)
FDIC's unique #: 1385
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: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 1400 Third Avenue, Conway, SC 29526
County: Horry
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): Myrtle Beach, SC (#5330)
Combined Statistical Area (CSA): Myrtle Beach-Conway-Georgetown, SC (#396)
Core Based Statistical Area (CBSA): Myrtle Beach-North Myrtle Beach-Conway, SC (#34820)
CBSA Metro Statistical Area: Myrtle Beach-North Myrtle Beach-Conway, SC (#34820)
History of ChangesChange in Location
Financial SummaryTotal assets: $914.3 mil
Equity capital: $89.1 mil
Deposits held in domestic offices: $733.3 mil
Return on assets (ROA): 0.14% ($1.3 mil)
Quarterly return on assets: 0.19% ($1.7 mil)
Return on Equity (ROE): 1.49% ($1.3 mil)
Quarterly return on equity: 2.01% ($1.8 mil)
Net income: $1.3 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.15% ($1,371.4 mil)
Quarterly Pretax return on assets: 0.24% ($2,194.3 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)246
Total assets$914,279
Cash and due from depository institutions$55,000
Interest-bearing balances$30,578
Federal funds sold & reverse repurchase agreements$10,000
Net loans & leases$471,649
Loan loss allowance $12,373
Trading account assets$0
Bank premises and fixed assets$21,249
Other real estate owned$9,063
Goodwill and other intangibles$0
All other assets$15,628
Life insurance assets$914,279
Total liabilities and capital$825,146
Total liabilities$733,327
Total deposits$612,976
Interest-bearing deposits$733,327
Deposits held in domestic offices$87
% insured (estimated)87784.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $4,035
All other liabilities $89,133
Total equity capital$89,133
Total bank equity capital$89,133
Perpetual preferred stock$0
Common stock$1,935
Undivided profits $85,263
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 $25,054
Earning assets $0
Long-term assets (5+ years) $4,158
Average Assets, year-to-date $843,917
Average Assets, quarterly $135,810
Volatile liabilities $925,511
Insider loans $930,150
FHLB advances $532,882
Loans and leases held for sale $929,077
Unused loan commitments $3,131
Tier 1 (core) risk-based capital $3,131
Tier 2 risk-based capital $87,259
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $33,903
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $35,722
Total interest expense $5,526
Net interest income $30,196
Provision for loan and lease losses $9,888
Total noninterest income $4,758
Fiduciary activities $0
Service charges on deposit accounts $3,248
Trading account gains & fees $0
Additional noninterest income $1,510
Total noninterest expense $23,633
Salaries and employee benefits $13,379
Premises and equipment expense $3,349
Additional noninterest expense $6,905
Pre-tax net operating income $1,433
Securities gains (losses) $0
Applicable income taxes $124
Income before extraordinary items $1,309
Extraordinary gains - net $0
Net income attributable to bank $1,309
Net charge-offs $0
Cash dividends $1,309
Sale, conversion, retirement of capital stock, net $9,142
Net operating income $387
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.18%
Cost of funding earning assets 0.65%
Net interest margin 3.53%
Noninterest income to earning assets 0.56%
Noninterest expense to earning assets 2.76%
Net operating income to assets 0.14%
Return on assets (ROA) 0.14%
Pretax return on assets 0.15%
Return on equity (ROE) 1.49%
Retained earnings to average equity (YTD only) 1.05%
Net charge-offs to loans 1.79%
Credit loss provision to net charge-offs 108.16%
Efficiency ratio1.24%
Assets per employee$67,612
Cash dividends to net income (YTD only)3.72%
Condition Ratios (%)
Loss allowance to loans 29.56%
Loss allowance to noncurrent loans 2.56%
Noncurrent assets plus other real estate owned to assets 49.39%
Noncurrent loans to loans 3.73%
Net loans and leases to deposits5.18%
Net loans and leases to core deposits 64.32%
Equity capital to assets 74.75%
Core capital (leverage) ratio 9.75%
Tier 1 risk-based capital ratio 9.39%
Total risk-based capital ratio 16.37%
Average assets$18
Average earning assets$925,511
Average equity $87,736
Average loans $855,318
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15 South Carolina Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01385The Conway National Bank1400 Third Avenue, Conway, SC 29526January 01, 1914Full Service Brick and Mortar
1191242Conway Branch309 Main Street, Conway, SC 29526December 10, 1960Full Service Brick and Mortar
3191244Surfside Beach BranchFifth Avenue And Highway 17, Surfside Beach, SC 29577May 23, 1972Full Service Brick and Mortar
4191245Northside BranchHighway 17 And Chestnut Road, North Myrtle Beach, SC 29582May 02, 1977Full Service Brick and Mortar
5191246Red Hill BranchU.S. 501 And State Highway 544, Horry County, SC 29526November 11, 1981Full Service Brick and Mortar
6191247Socastee BranchHighway 17 Bypass & North Plaza Dr., Myrtle Beach, SC 29577June 23, 1986Full Service Brick and Mortar
7191248Aynor Branch2605 Highway 501, Aynor, SC 29511August 12, 1991Full Service Brick and Mortar
8191249Myrtle Beach Branch1352 21st Avenue North, Myrtle Beach, SC 29577August 07, 1995Full Service Brick and Mortar
9191250West Conway Branch2810 Church Street, Conway, SC 29526October 19, 1998Full Service Brick and Mortar
10191251Murrells Inlet Branch4345 Highway 17 Bypass, Murrells Inlet, SC 29576March 06, 2000Full Service Brick and Mortar
11419046North Myrtle Beach Office Branch110 Highway 17 North, North Myrtle Beach, SC 29582September 30, 2002Full Service Brick and Mortar
12426507Conway Banking Center1411 Fourth Avenue, Conway, SC 29526Febuary 09, 2004Full Service Brick and Mortar
13446310Pawleys Island Branch10608 Ocean Highway, Pawleys Island, SC 29585December 05, 2005Full Service Brick and Mortar
14454518North Conway Branch2601 Main Street, Conway, SC 29526July 17, 2006Full Service Brick and Mortar
15476079Little River Branch Office2380 Highway 9 East, Conway, SC 29526April 01, 2008Full Service Brick and Mortar
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