Call reports 2005
FIRST NATIONAL BANK OF SOUTH CAROLINA — 2005
What FIRST NATIONAL BANK OF SOUTH CAROLINA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 133,862,000 | 136,025,000 | 138,144,000 | 141,669,000 |
| Total loans | 71,274,000 | 74,137,000 | 74,538,000 | 76,091,000 |
| Allowance for loan losses | 1,149,000 | 1,168,000 | 1,200,000 | 1,197,000 |
| Securities available for sale | 26,608,000 | 28,709,000 | 30,047,000 | 30,475,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,319,000 | 112,839,000 | 114,182,000 | 117,234,000 |
| Interest-bearing deposits | 86,434,000 | 87,302,000 | 87,634,000 | 89,617,000 |
| Noninterest-bearing deposits | 24,885,000 | 25,537,000 | 26,548,000 | 27,617,000 |
| Equity capital | 20,040,000 | 20,522,000 | 20,648,000 | 20,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,532,000 | 3,184,000 | 4,942,000 | 6,764,000 |
| Interest expense | 232,000 | 499,000 | 809,000 | 1,150,000 |
| Net interest income | 1,300,000 | 2,685,000 | 4,133,000 | 5,614,000 |
| Noninterest income | 555,000 | 1,080,000 | 1,654,000 | 2,250,000 |
| Noninterest expense | 1,343,000 | 2,733,000 | 4,144,000 | 5,969,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 482,000 | 974,000 | 1,555,000 | 1,777,000 |
| Income tax | 164,000 | 336,000 | 533,000 | 612,000 |
| Net income | 318,000 | 638,000 | 1,022,000 | 1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,535,000 | 20,755,000 | 20,985,000 | 20,952,000 |
| Total capital | 21,590,000 | 21,830,000 | 22,071,000 | 22,066,000 |
| Risk-weighted assets | 84,300,000 | 85,926,000 | 86,752,000 | 89,063,000 |