Call reports 2003
FIRST NATIONAL BANK OF SOUTH CAROLINA — 2003
What FIRST NATIONAL BANK OF SOUTH CAROLINA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 125,401,000 | 126,964,000 | 127,948,000 | 125,491,000 |
| Total loans | 64,759,000 | 60,813,000 | 68,419,000 | 72,032,000 |
| Allowance for loan losses | 1,085,000 | 1,107,000 | 1,103,000 | 1,051,000 |
| Securities available for sale | 19,151,000 | 19,122,000 | 29,251,000 | 26,117,000 |
| Securities held to maturity | 430,000 | 380,000 | 380,000 | 340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,507,000 | 105,014,000 | 106,221,000 | 103,826,000 |
| Interest-bearing deposits | 82,782,000 | 83,889,000 | 83,581,000 | 83,234,000 |
| Noninterest-bearing deposits | 20,725,000 | 21,125,000 | 22,640,000 | 20,592,000 |
| Equity capital | 18,525,000 | 18,789,000 | 19,005,000 | 19,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,853,000 | 4,268,000 | 5,732,000 |
| Interest expense | 262,000 | 522,000 | 747,000 | 953,000 |
| Net interest income | 1,173,000 | 2,331,000 | 3,521,000 | 4,779,000 |
| Noninterest income | 487,000 | 978,000 | 1,575,000 | 2,178,000 |
| Noninterest expense | 1,178,000 | 2,401,000 | 3,686,000 | 4,957,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 452,000 | 873,000 | 1,322,000 | 1,882,000 |
| Income tax | 152,000 | 298,000 | 455,000 | 648,000 |
| Net income | 300,000 | 575,000 | 867,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,488,000 | 18,763,000 | 19,054,000 | 19,343,000 |
| Total capital | 19,436,000 | 19,671,000 | 20,032,000 | 20,369,000 |
| Risk-weighted assets | 75,721,000 | 72,922,000 | 78,130,000 | 82,289,000 |
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