North Carolina Bank and Trust

North Carolina Bank and Trust is headquartered in Orangeburg and is the 2^nd largest bank in the state of South Carolina. It is also the 200^th largest bank in the nation. It was established in 1934 and as of September of 2011, it had grown to 1,079 employees at 89 locations. North Carolina Bank and Trust has a 4-star health rating.

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Data for Q3 2011

Institution Statistics SCBT National Association FDIC Certificate # 13425 BankRate Report View Year Established 1934 Employees 1079 Primary Regulator OCC Assets and Liabilities Assets $3.93 billion Loans $2.86 billion Deposits $3.29 billion Equity Capital $420.91 million Loan Loss Allowance $61.02 million Unbacked Noncurrent Loans $168.36 million Real Estate Owned $102.43 million Historic Data - September 2010 Assets $3.61 billion Equity Capital $375.34 million Loan Loss Allowance $46.45 million Unbacked Noncurrent Loans $71.27 million Real Estate Owned $63.02 million Profit Margin - Quarterly Net Interest Margin 4.76% Return on Assets 0.66% Return on Equity 6.38% Interest Income $127.85 million

Institution Health Overall Score: 4 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 September 30, 2011 North Carolina Bank and Trust had $270.78 million in non-current loans and owned real-estate with $481.93 million in equity and loan loss allowances on hand to cover it. This gives North Carolina Bank and Trust a Texas Ratio of 56.19% 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 North Carolina Bank and Trust decreased slightly from 68.70% as of September 30, 2010 to 56.19% as of September 30, 2011, resulting in a positive change of 18.21%.This indicates that the balance sheet and financial strength for North Carolina Bank and Trust has improved slightly in recent periods. Deposit Growth In the past year, North Carolina Bank and Trust has increased its total deposits by $268.6 million, resulting in 8.89% 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 North Carolina Bank and Trust has shown is excellent. 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. North Carolina Bank and Trust has $3.93 billion in assets with $481.93 million in equity, resulting in a capitalization level of 12.25%, which is excellent.

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