Call reports 2007
FIRST NATIONAL BANK OF SOUTH CAROLINA — 2007
What FIRST NATIONAL BANK OF SOUTH CAROLINA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 166,311,000 | 160,617,000 | 167,634,000 | 165,762,000 |
| Total loans | 89,363,000 | 88,764,000 | 90,766,000 | 87,031,000 |
| Allowance for loan losses | 1,266,000 | 1,271,000 | 1,294,000 | 1,067,000 |
| Securities available for sale | 35,365,000 | 40,197,000 | 40,155,000 | 40,938,000 |
| Securities held to maturity | 200,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,602,000 | 133,239,000 | 137,908,000 | 137,220,000 |
| Interest-bearing deposits | 107,975,000 | 103,673,000 | 108,716,000 | 108,711,000 |
| Noninterest-bearing deposits | 30,627,000 | 29,566,000 | 29,192,000 | 28,510,000 |
| Equity capital | 22,701,000 | 22,974,000 | 23,698,000 | 23,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 5,244,000 | 8,022,000 | 10,768,000 |
| Interest expense | 697,000 | 1,456,000 | 2,260,000 | 3,100,000 |
| Net interest income | 1,865,000 | 3,788,000 | 5,762,000 | 7,668,000 |
| Noninterest income | 503,000 | 1,146,000 | 1,741,000 | 2,270,000 |
| Noninterest expense | 1,528,000 | 3,120,000 | 4,738,000 | 6,588,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 795,000 | 1,725,000 | 2,631,000 | 3,171,000 |
| Income tax | 276,000 | 600,000 | 907,000 | 1,090,000 |
| Net income | 519,000 | 1,125,000 | 1,724,000 | 2,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,822,000 | 23,231,000 | 23,728,000 | 23,684,000 |
| Total capital | 24,088,000 | 24,499,000 | 25,022,000 | 24,751,000 |
| Risk-weighted assets | 104,961,000 | 102,675,000 | 105,879,000 | 101,741,000 |