First National Bank of South Carolina

First National Bank of South Carolina is headquartered in Holly Hill and is the 43^rd largest bank in the state of South Carolina. It is also the 3,701^st largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 68 employees at 8 locations. First National Bank of South Carolina's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First National Bank of South Carolina FDIC Certificate # 2107 BankRate Report View Year Established 1905 Employees 68 Primary Regulator OCC Assets and Liabilities Assets $160.21 million Loans $77.70 million Deposits $133.04 million Equity Capital $23.40 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $5.62 million Real Estate Owned $2.57 million Historic Data - March 2011 Assets $158.56 million Equity Capital $23.23 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $6.64 million Real Estate Owned $2.86 million Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0.21% Return on Equity 1.4% Interest Income $1.47 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank of South Carolina had $8.18 million in non-current loans and owned real-estate with $25.27 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of South Carolina a Texas Ratio of 32.38% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank of South Carolina decreased slightly from 38.16% as of March 31, 2011 to 32.38% as of March 31, 2012, resulting in a positive change of 15.16%.This indicates that the balance sheet and financial strength for First National Bank of South Carolina has improved slightly in recent periods. Deposit Growth In the past year, First National Bank of South Carolina has increased its total deposits by $1.31 million, resulting in 0.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of South Carolina has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of South Carolina has $160.21 million in assets with $25.27 million in equity, resulting in a capitalization level of 15.77%, which is excellent.

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