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Capital Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,436,000 | 2,862 |
| Total interest expense | $4,709,000 | 3,153 |
| Net interest income | $6,727,000 | 2,584 |
| Provision for loan and lease losses | $195,000 | 3,507 |
| Total noninterest income | $845,000 | 3,443 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $548,000 | 2,406 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $297,000 | 3,953 |
| Total noninterest expense | $5,345,000 | 2,411 |
| Salaries and employee benefits | $2,447,000 | 2,704 |
| Premises and equipment expense | $1,096,000 | 1,805 |
| Additional noninterest expense | $1,802,000 | 2,306 |
| Pre-tax net operating income | $2,032,000 | 3,480 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $811,000 | 2,898 |
| Income before extraordinary items | $1,223,000 | 3,989 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,223,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,217 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 899 |
| Net operating income | $1,221,720 | 3,917 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,104,000 | 3,576 |
| Total interest expense | $3,555,000 | 4,135 |
| Net interest income | $5,549,000 | 3,187 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $731,000 | 3,965 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $477,000 | 2,838 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $254,000 | 4,489 |
| Total noninterest expense | $4,668,000 | 2,916 |
| Salaries and employee benefits | $2,267,000 | 2,948 |
| Premises and equipment expense | $997,000 | 2,007 |
| Additional noninterest expense | $1,404,000 | 3,299 |
| Pre-tax net operating income | $1,522,000 | 4,288 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $591,000 | 3,640 |
| Income before extraordinary items | $931,000 | 4,758 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $931,000 | 4,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,908 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 633 |
| Net operating income | $931,000 | 4,705 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,287,000 | 4,401 |
| Total interest expense | $2,817,000 | 5,041 |
| Net interest income | $4,470,000 | 3,927 |
| Provision for loan and lease losses | $370,000 | 1,967 |
| Total noninterest income | $776,000 | 3,766 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $512,000 | 2,648 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $264,000 | 4,342 |
| Total noninterest expense | $4,305,000 | 3,113 |
| Salaries and employee benefits | $2,093,000 | 3,164 |
| Premises and equipment expense | $880,000 | 2,275 |
| Additional noninterest expense | $1,332,000 | 3,415 |
| Pre-tax net operating income | $571,000 | 8,046 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-705,000 | 11,886 |
| Income before extraordinary items | $1,276,000 | 3,748 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,276,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $510,000 | 1,364 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,179,000 | 278 |
| Net operating income | $1,276,000 | 3,720 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,186,000 | 4,733 |
| Total interest expense | $1,999,000 | 5,616 |
| Net interest income | $4,187,000 | 4,204 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $791,000 | 3,754 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $417,000 | 3,261 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $374,000 | 3,555 |
| Total noninterest expense | $3,894,000 | 3,510 |
| Salaries and employee benefits | $1,763,000 | 3,696 |
| Premises and equipment expense | $697,000 | 2,841 |
| Additional noninterest expense | $1,434,000 | 3,454 |
| Pre-tax net operating income | $904,000 | 6,381 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $-200,000 | 12,389 |
| Income before extraordinary items | $1,106,000 | 4,156 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,106,000 | 4,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,734 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,153 |
| Net operating income | $1,104,000 | 4,207 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,403,000 | 5,415 |
| Total interest expense | $1,943,000 | 5,977 |
| Net interest income | $3,460,000 | 5,005 |
| Provision for loan and lease losses | $270,000 | 3,226 |
| Total noninterest income | $890,000 | 3,667 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $379,000 | 3,626 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $511,000 | 3,227 |
| Total noninterest expense | $3,777,000 | 3,667 |
| Salaries and employee benefits | $1,576,000 | 4,089 |
| Premises and equipment expense | $721,000 | 2,805 |
| Additional noninterest expense | $1,480,000 | 3,546 |
| Pre-tax net operating income | $303,000 | 10,211 |
| Securities gains (losses) | $88,000 | 2,680 |
| Applicable income taxes | $-390,000 | 13,111 |
| Income before extraordinary items | $781,000 | 5,668 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $781,000 | 5,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $756,000 | 1,365 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $693,000 | 5,887 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,403,000 | 5,983 |
| Total interest expense | $2,540,000 | 5,917 |
| Net interest income | $2,863,000 | 5,945 |
| Provision for loan and lease losses | $618,000 | 2,578 |
| Total noninterest income | $550,000 | 5,282 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $331,000 | 4,118 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $219,000 | 5,372 |
| Total noninterest expense | $4,567,000 | 3,116 |
| Salaries and employee benefits | $1,433,000 | 4,401 |
| Premises and equipment expense | $739,000 | 2,794 |
| Additional noninterest expense | $2,395,000 | 2,408 |
| Pre-tax net operating income | $-1,772,000 | 13,606 |
| Securities gains (losses) | $226,000 | 1,842 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-1,546,000 | 13,622 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,546,000 | 13,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,109,000 | 1,467 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,345,000 | 371 |
| Net operating income | $-1,772,000 | 13,600 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.