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Capital Bank, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$2,936,000	6,192
Total interest expense	$1,381,000	5,562
Net interest income	$1,555,000	6,538
Provision for loan and lease losses	$166,000	3,237
Total noninterest income	$127,000	7,209
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$116,000	5,535
Trading account gains and fees	$0	126
Additional Noninterest Income	$11,000	8,185
Total noninterest expense	$1,346,000	6,453
Salaries and employee benefits	$722,000	6,503
Premises and equipment expense	$231,000	5,703
Additional noninterest expense	$393,000	6,430
Pre-tax net operating income	$170,000	7,538
Securities gains (losses)	$0	1,388
Applicable income taxes	$71,000	5,205
Income before extraordinary items	$99,000	7,730
Extraordinary gains, net	$0	45
Net income	$99,000	7,732
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	2,477
Cash dividends	$50,000	5,012
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$99,000	7,729
2006-06-30 (YTD Data)		Rank
Total interest income	$1,906,000	6,235
Total interest expense	$866,000	5,606
Net interest income	$1,040,000	6,566
Provision for loan and lease losses	$158,000	2,507
Total noninterest income	$86,000	7,234
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$76,000	5,555
Trading account gains and fees	$0	126
Additional Noninterest Income	$10,000	8,084
Total noninterest expense	$908,000	6,446
Salaries and employee benefits	$500,000	6,438
Premises and equipment expense	$149,000	5,798
Additional noninterest expense	$259,000	6,479
Pre-tax net operating income	$60,000	7,905
Securities gains (losses)	$0	1,185
Applicable income taxes	$30,000	5,570
Income before extraordinary items	$30,000	8,030
Extraordinary gains, net	$0	39
Net income	$30,000	8,031
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	1,814
Cash dividends	$25,000	4,938
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$30,000	8,028
2006-03-31 (YTD Data)		Rank
Total interest income	$925,000	6,290
Total interest expense	$409,000	5,630
Net interest income	$516,000	6,607
Provision for loan and lease losses	$74,000	2,576
Total noninterest income	$42,000	7,231
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$38,000	5,504
Trading account gains and fees	$0	115
Additional Noninterest Income	$4,000	8,174
Total noninterest expense	$447,000	6,493
Salaries and employee benefits	$253,000	6,424
Premises and equipment expense	$75,000	5,803
Additional noninterest expense	$119,000	6,649
Pre-tax net operating income	$37,000	7,846
Securities gains (losses)	$0	955
Applicable income taxes	$14,000	5,578
Income before extraordinary items	$23,000	7,941
Extraordinary gains, net	$0	21
Net income	$23,000	7,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$23,000	7,936
2005-12-31 (YTD Data)		Rank
Total interest income	$2,761,000	6,791
Total interest expense	$1,052,000	6,154
Net interest income	$1,709,000	7,020
Provision for loan and lease losses	$138,000	4,271
Total noninterest income	$73,000	8,215
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$62,000	6,895
Trading account gains and fees	$0	138
Additional Noninterest Income	$11,000	8,394
Total noninterest expense	$1,087,000	7,592
Salaries and employee benefits	$592,000	7,649
Premises and equipment expense	$193,000	6,791
Additional noninterest expense	$302,000	7,640
Pre-tax net operating income	$557,000	6,558
Securities gains (losses)	$0	2,296
Applicable income taxes	$208,000	4,617
Income before extraordinary items	$349,000	6,981
Extraordinary gains, net	$0	46
Net income	$349,000	6,982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	4,385
Cash dividends	$50,000	5,775
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$349,000	6,968
2005-09-30 (YTD Data)		Rank
Total interest income	$1,912,000	6,984
Total interest expense	$711,000	6,317
Net interest income	$1,201,000	7,197
Provision for loan and lease losses	$115,000	3,957
Total noninterest income	$51,000	8,302
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$45,000	6,963
Trading account gains and fees	$0	126
Additional Noninterest Income	$6,000	8,503
Total noninterest expense	$774,000	7,676
Salaries and employee benefits	$404,000	7,765
Premises and equipment expense	$141,000	6,849
Additional noninterest expense	$229,000	7,619
Pre-tax net operating income	$363,000	6,939
Securities gains (losses)	$0	2,317
Applicable income taxes	$135,000	4,932
Income before extraordinary items	$228,000	7,301
Extraordinary gains, net	$0	35
Net income	$228,000	7,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$50,000	5,017
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$228,000	7,273
2005-06-30 (YTD Data)		Rank
Total interest income	$1,178,000	7,121
Total interest expense	$413,000	6,527
Net interest income	$765,000	7,301
Provision for loan and lease losses	$82,000	3,712
Total noninterest income	$36,000	8,267
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$32,000	6,885
Trading account gains and fees	$0	116
Additional Noninterest Income	$4,000	8,501
Total noninterest expense	$499,000	7,734
Salaries and employee benefits	$257,000	7,854
Premises and equipment expense	$93,000	6,847
Additional noninterest expense	$149,000	7,633
Pre-tax net operating income	$220,000	7,093
Securities gains (losses)	$0	2,146
Applicable income taxes	$82,000	5,057
Income before extraordinary items	$138,000	7,450
Extraordinary gains, net	$0	30
Net income	$138,000	7,451
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$50,000	4,720
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$138,000	7,404
2005-03-31 (YTD Data)		Rank
Total interest income	$556,000	7,271
Total interest expense	$179,000	6,799
Net interest income	$377,000	7,387
Provision for loan and lease losses	$26,000	4,356
Total noninterest income	$16,000	8,407
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$15,000	6,958
Trading account gains and fees	$0	115
Additional Noninterest Income	$1,000	8,675
Total noninterest expense	$252,000	7,782
Salaries and employee benefits	$130,000	7,893
Premises and equipment expense	$46,000	6,938
Additional noninterest expense	$76,000	7,655
Pre-tax net operating income	$115,000	7,024
Securities gains (losses)	$0	1,685
Applicable income taxes	$43,000	4,951
Income before extraordinary items	$72,000	7,389
Extraordinary gains, net	$0	24
Net income	$72,000	7,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$72,000	7,353
2004-12-31 (YTD Data)		Rank
Total interest income	$1,503,000	7,895
Total interest expense	$454,000	7,479
Net interest income	$1,049,000	7,946
Provision for loan and lease losses	$122,000	4,597
Total noninterest income	$115,000	7,914
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$70,000	6,959
Trading account gains and fees	$0	138
Additional Noninterest Income	$45,000	7,534
Total noninterest expense	$879,000	8,016
Salaries and employee benefits	$449,000	8,138
Premises and equipment expense	$202,000	6,741
Additional noninterest expense	$228,000	8,134
Pre-tax net operating income	$163,000	7,898
Securities gains (losses)	$0	3,819
Applicable income taxes	$57,000	5,970
Income before extraordinary items	$106,000	8,065
Extraordinary gains, net	$0	34
Net income	$106,000	8,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$50,000	5,821
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$106,000	8,021
2004-09-30 (YTD Data)		Rank
Total interest income	$1,045,000	8,060
Total interest expense	$310,000	7,652
Net interest income	$735,000	8,080
Provision for loan and lease losses	$73,000	4,859
Total noninterest income	$101,000	7,791
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$58,000	6,852
Trading account gains and fees	$0	134
Additional Noninterest Income	$43,000	7,253
Total noninterest expense	$628,000	8,083
Salaries and employee benefits	$334,000	8,142
Premises and equipment expense	$155,000	6,655
Additional noninterest expense	$139,000	8,396
Pre-tax net operating income	$135,000	7,973
Securities gains (losses)	$0	3,710
Applicable income taxes	$47,000	6,002
Income before extraordinary items	$88,000	8,146
Extraordinary gains, net	$0	26
Net income	$88,000	8,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$88,000	8,093
2004-06-30 (YTD Data)		Rank
Total interest income	$634,000	8,225
Total interest expense	$191,000	7,838
Net interest income	$443,000	8,287
Provision for loan and lease losses	$50,000	4,677
Total noninterest income	$39,000	8,417
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$34,000	7,049
Trading account gains and fees	$0	130
Additional Noninterest Income	$5,000	8,618
Total noninterest expense	$401,000	8,194
Salaries and employee benefits	$206,000	8,305
Premises and equipment expense	$106,000	6,654
Additional noninterest expense	$89,000	8,478
Pre-tax net operating income	$31,000	8,352
Securities gains (losses)	$0	3,413
Applicable income taxes	$10,000	6,651
Income before extraordinary items	$21,000	8,451
Extraordinary gains, net	$0	21
Net income	$21,000	8,453
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$21,000	8,390
2004-03-31 (YTD Data)		Rank
Total interest income	$289,000	8,403
Total interest expense	$90,000	7,997
Net interest income	$199,000	8,440
Provision for loan and lease losses	$10,000	5,595
Total noninterest income	$19,000	8,452
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$17,000	7,025
Trading account gains and fees	$0	121
Additional Noninterest Income	$2,000	8,709
Total noninterest expense	$199,000	8,256
Salaries and employee benefits	$95,000	8,451
Premises and equipment expense	$52,000	6,694
Additional noninterest expense	$52,000	8,354
Pre-tax net operating income	$9,000	8,446
Securities gains (losses)	$0	2,934
Applicable income taxes	$4,000	6,676
Income before extraordinary items	$5,000	8,530
Extraordinary gains, net	$0	16
Net income	$5,000	8,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$5,000	8,472
2003-12-31 (YTD Data)		Rank
Total interest income	$1,057,000	8,529
Total interest expense	$306,000	8,437
Net interest income	$751,000	8,483
Provision for loan and lease losses	$68,000	5,867
Total noninterest income	$29,000	8,949
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$29,000	7,734
Trading account gains and fees	$0	160
Additional Noninterest Income	$0	9,041
Total noninterest expense	$856,000	8,158
Salaries and employee benefits	$431,000	8,309
Premises and equipment expense	$218,000	6,561
Additional noninterest expense	$207,000	8,403
Pre-tax net operating income	$-144,000	8,661
Securities gains (losses)	$0	4,500
Applicable income taxes	$-53,000	8,874
Income before extraordinary items	$-91,000	8,716
Extraordinary gains, net	$0	54
Net income	$-91,000	8,719
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-91,000	8,644
2003-09-30 (YTD Data)		Rank
Total interest income	$793,000	8,621
Total interest expense	$228,000	8,556
Net interest income	$565,000	8,552
Provision for loan and lease losses	$68,000	5,354
Total noninterest income	$19,000	9,045
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$19,000	7,837
Trading account gains and fees	$0	153
Additional Noninterest Income	$0	9,106
Total noninterest expense	$652,000	8,142
Salaries and employee benefits	$320,000	8,327
Premises and equipment expense	$172,000	6,445
Additional noninterest expense	$160,000	8,372
Pre-tax net operating income	$-136,000	8,784
Securities gains (losses)	$0	4,204
Applicable income taxes	$-51,000	9,020
Income before extraordinary items	$-85,000	8,826
Extraordinary gains, net	$0	40
Net income	$-85,000	8,826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-85,000	8,755
2003-06-30 (YTD Data)		Rank
Total interest income	$560,000	8,618
Total interest expense	$156,000	8,607
Net interest income	$404,000	8,506
Provision for loan and lease losses	$68,000	4,566
Total noninterest income	$13,000	9,080
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$13,000	7,851
Trading account gains and fees	$0	150
Additional Noninterest Income	$0	9,111
Total noninterest expense	$426,000	8,203
Salaries and employee benefits	$230,000	8,249
Premises and equipment expense	$111,000	6,499
Additional noninterest expense	$85,000	8,662
Pre-tax net operating income	$-77,000	8,798
Securities gains (losses)	$0	3,782
Applicable income taxes	$-28,000	9,050
Income before extraordinary items	$-49,000	8,860
Extraordinary gains, net	$0	30
Net income	$-49,000	8,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-49,000	8,767
2003-03-31 (YTD Data)		Rank
Total interest income	$262,000	8,743
Total interest expense	$73,000	8,748
Net interest income	$189,000	8,637
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$5,000	9,143
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$5,000	7,933
Trading account gains and fees	$0	134
Additional Noninterest Income	$0	9,145
Total noninterest expense	$221,000	8,164
Salaries and employee benefits	$119,000	8,219
Premises and equipment expense	$55,000	6,522
Additional noninterest expense	$47,000	8,571
Pre-tax net operating income	$-72,000	8,931
Securities gains (losses)	$0	2,891
Applicable income taxes	$-27,000	9,127
Income before extraordinary items	$-45,000	8,944
Extraordinary gains, net	$0	21
Net income	$-45,000	8,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-45,000	8,857
2002-12-31 (YTD Data)		Rank
Total interest income	$655,000	9,081
Total interest expense	$163,000	9,116
Net interest income	$492,000	9,006
Provision for loan and lease losses	$194,000	4,440
Total noninterest income	$9,000	9,233
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$7,000	8,109
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,000	9,151
Total noninterest expense	$825,000	8,295
Salaries and employee benefits	$434,000	8,379
Premises and equipment expense	$188,000	6,919
Additional noninterest expense	$203,000	8,540
Pre-tax net operating income	$-518,000	8,987
Securities gains (losses)	$0	4,537
Applicable income taxes	$-191,000	9,133
Income before extraordinary items	$-327,000	8,972
Extraordinary gains, net	$0	70
Net income	$-327,000	8,972
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,119
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-327,000	8,925
2001-12-31 (YTD Data)		Rank
Total interest income	$12,000	9,608
Total interest expense	$2,000	9,586
Net interest income	$10,000	9,599
Provision for loan and lease losses	$9,000	7,982
Total noninterest income	$0	9,561
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$0	8,399
Trading account gains and fees	$0	177
Additional Noninterest Income	$0	9,480
Total noninterest expense	$332,000	9,456
Salaries and employee benefits	$278,000	9,150
Premises and equipment expense	$15,000	9,530
Additional noninterest expense	$39,000	9,582
Pre-tax net operating income	$-331,000	9,056
Securities gains (losses)	$0	4,612
Applicable income taxes	$-124,000	9,300
Income before extraordinary items	$-207,000	9,052
Extraordinary gains, net	$0	105
Net income	$-207,000	9,055
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$7,800,000	102
Net operating income	$-207,000	9,000

* 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.