The Conway National Bank

The Conway National Bank is headquartered in Conway and is the 6^th largest bank in the state of South Carolina. It is also the 709^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 242 employees at 15 locations. The Conway National Bank has a 3-star health rating.

The Conway National Bank Routing Number: 053208244

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Data for Q1 2012

Institution Statistics The Conway National Bank FDIC Certificate # 2102 BankRate Report View Year Established 1914 Employees 242 Primary Regulator OCC Assets and Liabilities Assets $930.76 million Loans $457.09 million Deposits $747.82 million Equity Capital $88.84 million Loan Loss Allowance $12.61 million Unbacked Noncurrent Loans $24.00 million Real Estate Owned $9.26 million Historic Data - March 2011 Assets $941.78 million Equity Capital $86.65 million Loan Loss Allowance $11.80 million Unbacked Noncurrent Loans $27.82 million Real Estate Owned $6.45 million Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.27% Return on Equity 2.76% Interest Income $8.34 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 The Conway National Bank had $33.26 million in non-current loans and owned real-estate with $101.45 million in equity and loan loss allowances on hand to cover it. This gives The Conway National Bank a Texas Ratio of 32.79% 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 The Conway National Bank held steady from 34.81% as of March 31, 2011 to 32.79% as of March 31, 2012, resulting in a positive change of 5.81%.This indicates that the balance sheet and financial strength for The Conway National Bank has held steady in recent periods. Deposit Growth In the past year, The Conway National Bank has increased its total deposits by $10.16 million, resulting in 1.38% 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 The Conway National Bank has shown is above 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. The Conway National Bank has $930.76 million in assets with $101.45 million in equity, resulting in a capitalization level of 10.90%, which is above average.

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