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Capital Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $82,377,000 | 480 |
| Total interest expense | $50,709,000 | 418 |
| Net interest income | $31,668,000 | 591 |
| Provision for loan and lease losses | $1,835,000 | 657 |
| Total noninterest income | $3,228,000 | 1,267 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $651,000 | 2,122 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,577,000 | 951 |
| Total noninterest expense | $16,050,000 | 881 |
| Salaries and employee benefits | $8,810,000 | 794 |
| Premises and equipment expense | $1,452,000 | 1,432 |
| Additional noninterest expense | $5,788,000 | 854 |
| Pre-tax net operating income | $17,011,000 | 512 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $5,706,000 | 505 |
| Income before extraordinary items | $11,305,000 | 519 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $11,305,000 | 520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,946 |
| Cash dividends | $9,000,000 | 409 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $11,305,000 | 518 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $65,923,000 | 564 |
| Total interest expense | $37,542,000 | 474 |
| Net interest income | $28,381,000 | 665 |
| Provision for loan and lease losses | $2,310,000 | 502 |
| Total noninterest income | $3,088,000 | 1,319 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $569,000 | 2,347 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,519,000 | 987 |
| Total noninterest expense | $14,461,000 | 969 |
| Salaries and employee benefits | $7,888,000 | 868 |
| Premises and equipment expense | $1,355,000 | 1,515 |
| Additional noninterest expense | $5,218,000 | 928 |
| Pre-tax net operating income | $14,698,000 | 607 |
| Securities gains (losses) | $-8,000 | 9,241 |
| Applicable income taxes | $4,608,000 | 635 |
| Income before extraordinary items | $10,082,000 | 621 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,082,000 | 621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $9,000,000 | 429 |
| Sale, conversion, retirement of capital stock, net | $6,500,000 | 178 |
| Net operating income | $10,087,520 | 606 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $55,703,000 | 624 |
| Total interest expense | $32,735,000 | 537 |
| Net interest income | $22,968,000 | 750 |
| Provision for loan and lease losses | $1,230,000 | 807 |
| Total noninterest income | $2,376,000 | 1,608 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $395,000 | 3,168 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,981,000 | 1,164 |
| Total noninterest expense | $12,292,000 | 1,076 |
| Salaries and employee benefits | $6,611,000 | 989 |
| Premises and equipment expense | $1,040,000 | 1,906 |
| Additional noninterest expense | $4,641,000 | 997 |
| Pre-tax net operating income | $11,822,000 | 688 |
| Securities gains (losses) | $22,000 | 2,353 |
| Applicable income taxes | $3,805,000 | 713 |
| Income before extraordinary items | $8,039,000 | 707 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $8,039,000 | 707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,719 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $8,024,040 | 684 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $47,644,000 | 729 |
| Total interest expense | $27,699,000 | 615 |
| Net interest income | $19,945,000 | 897 |
| Provision for loan and lease losses | $1,005,000 | 983 |
| Total noninterest income | $2,004,000 | 1,764 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $313,000 | 3,940 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,691,000 | 1,231 |
| Total noninterest expense | $10,571,000 | 1,254 |
| Salaries and employee benefits | $5,670,000 | 1,155 |
| Premises and equipment expense | $903,000 | 2,168 |
| Additional noninterest expense | $3,998,000 | 1,125 |
| Pre-tax net operating income | $10,373,000 | 792 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $3,234,000 | 869 |
| Income before extraordinary items | $7,137,000 | 789 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,137,000 | 791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,138,380 | 768 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $39,880,000 | 881 |
| Total interest expense | $22,304,000 | 775 |
| Net interest income | $17,576,000 | 1,036 |
| Provision for loan and lease losses | $980,000 | 1,046 |
| Total noninterest income | $944,000 | 3,282 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $252,000 | 4,794 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $692,000 | 2,319 |
| Total noninterest expense | $8,852,000 | 1,599 |
| Salaries and employee benefits | $4,632,000 | 1,455 |
| Premises and equipment expense | $698,000 | 2,802 |
| Additional noninterest expense | $3,522,000 | 1,506 |
| Pre-tax net operating income | $8,688,000 | 881 |
| Securities gains (losses) | $-55,000 | 11,062 |
| Applicable income taxes | $2,681,000 | 954 |
| Income before extraordinary items | $5,952,000 | 896 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,952,000 | 897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $10,000,000 | 418 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,989,950 | 877 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $34,955,000 | 1,015 |
| Total interest expense | $19,965,000 | 885 |
| Net interest income | $14,990,000 | 1,199 |
| Provision for loan and lease losses | $850,000 | 1,082 |
| Total noninterest income | $688,000 | 4,145 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $252,000 | 4,918 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $436,000 | 3,146 |
| Total noninterest expense | $7,633,000 | 1,840 |
| Salaries and employee benefits | $3,741,000 | 1,771 |
| Premises and equipment expense | $657,000 | 2,977 |
| Additional noninterest expense | $3,235,000 | 1,587 |
| Pre-tax net operating income | $7,195,000 | 1,090 |
| Securities gains (losses) | $81,000 | 1,058 |
| Applicable income taxes | $2,256,000 | 1,138 |
| Income before extraordinary items | $5,020,000 | 1,067 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,020,000 | 1,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $425,000 | 395 |
| Net operating income | $4,964,110 | 1,062 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,453,000 | 1,185 |
| Total interest expense | $13,187,000 | 1,006 |
| Net interest income | $13,266,000 | 1,352 |
| Provision for loan and lease losses | $993,000 | 934 |
| Total noninterest income | $565,000 | 4,866 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $225,000 | 5,425 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $340,000 | 3,784 |
| Total noninterest expense | $6,909,000 | 2,064 |
| Salaries and employee benefits | $3,223,000 | 2,049 |
| Premises and equipment expense | $676,000 | 2,914 |
| Additional noninterest expense | $3,010,000 | 1,800 |
| Pre-tax net operating income | $5,929,000 | 1,256 |
| Securities gains (losses) | $77,000 | 902 |
| Applicable income taxes | $1,844,000 | 1,290 |
| Income before extraordinary items | $4,162,000 | 1,218 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,162,000 | 1,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 544 |
| Net operating income | $4,108,870 | 1,237 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,640,000 | 1,606 |
| Total interest expense | $9,260,000 | 1,443 |
| Net interest income | $10,380,000 | 1,739 |
| Provision for loan and lease losses | $920,000 | 1,377 |
| Total noninterest income | $362,000 | 6,877 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $182,000 | 6,334 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $180,000 | 5,992 |
| Total noninterest expense | $5,687,000 | 2,520 |
| Salaries and employee benefits | $2,714,000 | 2,453 |
| Premises and equipment expense | $590,000 | 3,381 |
| Additional noninterest expense | $2,383,000 | 2,349 |
| Pre-tax net operating income | $4,135,000 | 1,672 |
| Securities gains (losses) | $227,000 | 1,551 |
| Applicable income taxes | $1,362,000 | 1,708 |
| Income before extraordinary items | $3,000,000 | 1,685 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,000,000 | 1,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,980 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,843,370 | 1,662 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,472,000 | 2,282 |
| Total interest expense | $7,836,000 | 2,173 |
| Net interest income | $7,636,000 | 2,361 |
| Provision for loan and lease losses | $908,000 | 1,956 |
| Total noninterest income | $245,000 | 8,580 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $119,000 | 7,968 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $126,000 | 7,283 |
| Total noninterest expense | $4,501,000 | 3,155 |
| Salaries and employee benefits | $2,052,000 | 3,152 |
| Premises and equipment expense | $598,000 | 3,365 |
| Additional noninterest expense | $1,851,000 | 2,995 |
| Pre-tax net operating income | $2,472,000 | 2,518 |
| Securities gains (losses) | $257,000 | 1,688 |
| Applicable income taxes | $908,000 | 2,303 |
| Income before extraordinary items | $1,821,000 | 2,521 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,821,000 | 2,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 5,532 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $5,800,000 | 154 |
| Net operating income | $1,648,810 | 2,587 |
* 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.