Call reports 2025
FIRST NATIONAL BANK OF SOUTH CAROLINA — 2025
What FIRST NATIONAL BANK OF SOUTH CAROLINA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 294,159,000 | 306,862,000 | 307,153,000 | 305,598,000 |
| Total loans | 144,149,000 | 143,931,000 | 148,645,000 | 146,149,000 |
| Allowance for loan losses | 1,797,000 | 1,810,000 | 1,819,000 | 1,828,000 |
| Securities available for sale | 90,990,000 | 91,688,000 | 93,620,000 | 94,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,041,000 | 274,337,000 | 271,814,000 | 269,661,000 |
| Interest-bearing deposits | 175,318,000 | 180,037,000 | 182,545,000 | 185,960,000 |
| Noninterest-bearing deposits | 87,723,000 | 94,300,000 | 89,269,000 | 83,701,000 |
| Equity capital | 29,255,000 | 30,598,000 | 32,578,000 | 33,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,070,000 | 6,424,000 | 9,779,000 | 13,183,000 |
| Interest expense | 462,000 | 997,000 | 1,589,000 | 2,177,000 |
| Net interest income | 2,608,000 | 5,427,000 | 8,190,000 | 11,006,000 |
| Noninterest income | 484,000 | 935,000 | 1,447,000 | 1,990,000 |
| Noninterest expense | 1,992,000 | 3,939,000 | 5,855,000 | 7,905,000 |
| Provision for loan losses | 19,000 | 28,000 | 37,000 | 46,000 |
| Pretax income | 1,081,000 | 2,395,000 | 3,745,000 | 5,045,000 |
| Income tax | 275,000 | 613,000 | 954,000 | 1,196,000 |
| Net income | 806,000 | 1,782,000 | 2,791,000 | 3,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,749,000 | 35,627,000 | 36,533,000 | 37,341,000 |
| Total capital | 36,587,000 | 37,477,000 | 38,392,000 | 39,209,000 |
| Risk-weighted assets | 158,752,000 | 158,801,000 | 162,193,000 | 158,528,000 |