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- Banks in South Carolina (SC)
- United Carolina Bank of South Carolina
United Carolina Bank of South Carolina in Greer, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches
This bank is inactive as of September 19, 1997
- United Carolina Bank of South Carolina in Greer, South Carolina (SC)
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United Carolina Bank of South Carolina - Overview
- General
- FDIC Certificate #: 9156
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Branch Banking and Trust Company of South Carolina (#21098)
Federal Reserve ID: 337920
Date Established: June 01, 1933
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 16 (Interstate: No)
OTS Docket #: 12236
FDIC's unique #: 5860
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: January 01, 1934
Last Structure Change Effective Date: September 19, 1997
Last Structure Change Process Date: November 03, 1997
Last Data Update: November 03, 1997
Data Source Date: April 05, 2012 - Location
- Address: 400 Memorial Drive Extention, Greer, SC 29651
County: Greenville
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): Greenville-Spartanburg-Anderson, SC (#3160)
Combined Statistical Area (CSA): Greenville-Spartanburg-Anderson, SC (#273)
Core Based Statistical Area (CBSA): Greenville-Mauldin-Easley, SC (#24860)
CBSA Metro Statistical Area: Greenville-Mauldin-Easley, SC (#24860) - Financial Summary
- Total assets: $382.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1996)
- Dollar figures in thousands
- 0Total employees (full-time equivalent)
- $119Total assets
- $386,870Cash and due from depository institutions
- $8,017Interest-bearing balances
- $8Securities
- $104,632Federal funds sold & reverse repurchase agreements
- $0Net loans & leases
- $261,441Loan loss allowance
- $3,926Trading account assets
- $0Bank premises and fixed assets
- $5,977Other real estate owned
- $55Goodwill and other intangibles
- $6,748Life insurance assets
- $0All other assets
- $0Total liabilities and capital
- $386,870Total liabilities
- $360,285Total deposits
- $349,818Interest-bearing deposits
- $308,456Deposits held in domestic offices
- 349818.00%% insured (estimated)
- $84Federal funds purchased & repurchase agreements
- $5,699Trading liabilities
- $0Other borrowed funds
- $1,439Subordinated debt
- $0All other liabilities
- $3,329Total equity capital
- $3,329Total bank equity capital
- $26,585Perpetual preferred stock
- $0Common stock
- $2,019Surplus
- $20,482Undivided profits
- Memoranda
- $4,084Noncurrent loans and leases
- $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
- $2,010Income earned, not collected on loans
- $1,829Earning assets
- $366,081Long-term assets (5+ years)
- $38,744Average Assets, year-to-date
- $379,834Average Assets, quarterly
- $392,786Volatile liabilities
- $31,690Insider loans
- $7,896FHLB advances
- $0Loans and leases held for sale
- $0Unused loan commitments
- $61,387Tier 1 (core) risk-based capital
- $0Tier 2 risk-based capital
- $26,425Total risk weighted assets
- $267,602Total unused commitments
- $0Restructured Loans and leases
- $0Derivatives
Income and Expense (December 31, 1996)
- Dollar figures in thousands
- $0Total interest income
- $28,991Total interest expense
- $14,756Net interest income
- $14,235Provision for loan and lease losses
- $1,050Total noninterest income
- $3,325Fiduciary activities
- $1,418Service charges on deposit accounts
- $1,196Trading account gains & fees
- $0Additional noninterest income
- $711Total noninterest expense
- $11,103Salaries and employee benefits
- $5,155Premises and equipment expense
- $1,523Additional noninterest expense
- $4,425Pre-tax net operating income
- $5,407Securities gains (losses)
- $4Applicable income taxes
- $1,722Income before extraordinary items
- $3,689Extraordinary gains - net
- $0Net income attributable to bank
- $3,689Net charge-offs
- $579Cash dividends
- $2,033Sale, conversion, retirement of capital stock, net
- $0Net operating income
Performance and Condition Ratios (December 31, 1996)
- Dollar figures in thousands
- Performance Ratios (%, annualized)
- 0.00%Yield on earning assets
- 8.09%Cost of funding earning assets
- 4.12%Net interest margin
- 3.97%Noninterest income to earning assets
- 0.93%Noninterest expense to earning assets
- 3.10%Net operating income to assets
- 0.97%Return on assets (ROA)
- 0.97%Pretax return on assets
- 1.42%Return on equity (ROE)
- 14.25%Retained earnings to average equity (YTD only)
- 6.40%Net charge-offs to loans
- 0.24%Credit loss provision to net charge-offs
- 181.35%Efficiency ratio
- 63,229Assets per employee
- 3.25%Cash dividends to net income (YTD only)
- Condition Ratios (%)
- 55.11%Loss allowance to loans
- 1.48%Loss allowance to noncurrent loans
- 195.32%Noncurrent assets plus other real estate owned to assets
- 0.53%Noncurrent loans to loans
- 0.76%Net loans and leases to deposits
- 74.74%Net loans and leases to core deposits
- 80.38%Equity capital to assets
- 6.87%Core capital (leverage) ratio
- 6.71%Tier 1 risk-based capital ratio
- 9.87%Total risk-based capital ratio
- Memoranda
- $11Average assets
- $379,834Average earning assets
- $25,880Average equity
- $358,222Average loans
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- Banks in South Carolina (SC)
- United Carolina Bank of South Carolina
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