Call reports 2004
FIRST NATIONAL BANK OF SOUTH CAROLINA — 2004
What FIRST NATIONAL BANK OF SOUTH CAROLINA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 126,098,000 | 132,133,000 | 131,038,000 | 133,568,000 |
| Total loans | 74,103,000 | 73,866,000 | 72,524,000 | 71,245,000 |
| Allowance for loan losses | 1,078,000 | 1,104,000 | 1,090,000 | 1,108,000 |
| Securities available for sale | 19,509,000 | 24,611,000 | 24,003,000 | 23,017,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,119,000 | 110,033,000 | 108,165,000 | 110,973,000 |
| Interest-bearing deposits | 80,851,000 | 82,597,000 | 84,830,000 | 82,413,000 |
| Noninterest-bearing deposits | 23,268,000 | 27,436,000 | 23,335,000 | 28,560,000 |
| Equity capital | 19,512,000 | 19,473,000 | 19,989,000 | 20,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,466,000 | 2,940,000 | 4,423,000 | 6,007,000 |
| Interest expense | 194,000 | 383,000 | 576,000 | 785,000 |
| Net interest income | 1,272,000 | 2,557,000 | 3,847,000 | 5,222,000 |
| Noninterest income | 512,000 | 1,091,000 | 1,775,000 | 2,373,000 |
| Noninterest expense | 1,227,000 | 2,492,000 | 3,751,000 | 5,114,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 527,000 | 1,096,000 | 1,781,000 | 2,361,000 |
| Income tax | 185,000 | 375,000 | 612,000 | 810,000 |
| Net income | 342,000 | 721,000 | 1,169,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,589,000 | 19,770,000 | 20,115,000 | 20,317,000 |
| Total capital | 20,603,000 | 20,809,000 | 21,156,000 | 21,365,000 |
| Risk-weighted assets | 81,059,000 | 83,071,000 | 83,200,000 | 83,818,000 |
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