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Carolina State Bank, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$2,103,000	5,569
Total interest expense	$461,000	6,611
Net interest income	$1,642,000	5,017
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$310,000	4,903
Gross Fiduciary activities income	$12,000	1,199
Service charges on deposit accounts	$233,000	3,243
Trading account gains and fees	$0	150
Additional Noninterest Income	$65,000	6,111
Total noninterest expense	$1,082,000	5,718
Salaries and employee benefits	$535,000	6,009
Premises and equipment expense	$119,000	6,291
Additional noninterest expense	$428,000	4,768
Pre-tax net operating income	$810,000	4,022
Securities gains (losses)	$0	3,782
Applicable income taxes	$198,000	3,988
Income before extraordinary items	$612,000	4,234
Extraordinary gains, net	$0	30
Net income	$612,000	4,233
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$306,000	1,232
Cash dividends	$96,000	4,349
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$612,000	4,031
2003-03-31 (YTD Data)		Rank
Total interest income	$1,048,000	5,616
Total interest expense	$238,000	6,625
Net interest income	$810,000	5,053
Provision for loan and lease losses	$20,000	5,233
Total noninterest income	$159,000	4,741
Gross Fiduciary activities income	$6,000	1,199
Service charges on deposit accounts	$112,000	3,257
Trading account gains and fees	$0	134
Additional Noninterest Income	$41,000	5,651
Total noninterest expense	$539,000	5,716
Salaries and employee benefits	$264,000	6,066
Premises and equipment expense	$61,000	6,231
Additional noninterest expense	$214,000	4,731
Pre-tax net operating income	$410,000	3,976
Securities gains (losses)	$0	2,891
Applicable income taxes	$103,000	3,881
Income before extraordinary items	$307,000	4,171
Extraordinary gains, net	$0	21
Net income	$307,000	4,169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	3,852
Cash dividends	$48,000	3,477
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$307,000	3,979
2002-12-31 (YTD Data)		Rank
Total interest income	$4,407,000	5,601
Total interest expense	$1,157,000	6,526
Net interest income	$3,250,000	5,015
Provision for loan and lease losses	$290,000	3,537
Total noninterest income	$610,000	4,680
Gross Fiduciary activities income	$23,000	1,252
Service charges on deposit accounts	$479,000	3,087
Trading account gains and fees	$0	153
Additional Noninterest Income	$108,000	6,289
Total noninterest expense	$2,092,000	5,725
Salaries and employee benefits	$1,021,000	6,059
Premises and equipment expense	$257,000	6,043
Additional noninterest expense	$814,000	4,865
Pre-tax net operating income	$1,478,000	4,161
Securities gains (losses)	$0	4,537
Applicable income taxes	$503,000	3,432
Income before extraordinary items	$975,000	4,669
Extraordinary gains, net	$0	70
Net income	$975,000	4,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,834
Cash dividends	$354,000	4,046
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$975,000	4,541
2001-12-31 (YTD Data)		Rank
Total interest income	$5,076,000	5,563
Total interest expense	$2,113,000	5,930
Net interest income	$2,963,000	5,125
Provision for loan and lease losses	$525,000	2,118
Total noninterest income	$532,000	4,906
Gross Fiduciary activities income	$3,000	1,597
Service charges on deposit accounts	$406,000	3,348
Trading account gains and fees	$0	177
Additional Noninterest Income	$123,000	5,948
Total noninterest expense	$1,928,000	5,876
Salaries and employee benefits	$944,000	6,192
Premises and equipment expense	$231,000	6,343
Additional noninterest expense	$753,000	5,001
Pre-tax net operating income	$1,042,000	4,809
Securities gains (losses)	$0	4,612
Applicable income taxes	$278,000	4,417
Income before extraordinary items	$764,000	4,994
Extraordinary gains, net	$0	105
Net income	$764,000	4,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$480,000	1,605
Cash dividends	$402,000	3,831
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$764,000	4,886
2000-12-31 (YTD Data)		Rank
Total interest income	$4,847,000	5,856
Total interest expense	$2,199,000	5,979
Net interest income	$2,648,000	5,604
Provision for loan and lease losses	$325,000	2,688
Total noninterest income	$381,000	5,654
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$273,000	4,303
Trading account gains and fees	NA	NA
Additional Noninterest Income	$108,000	6,248
Total noninterest expense	$1,620,000	6,442
Salaries and employee benefits	$770,000	6,880
Premises and equipment expense	$220,000	6,456
Additional noninterest expense	$630,000	5,594
Pre-tax net operating income	$1,084,000	5,046
Securities gains (losses)	$0	1,956
Applicable income taxes	$368,000	4,169
Income before extraordinary items	$716,000	5,356
Extraordinary gains, net	$0	38
Net income	$716,000	5,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$176,000	2,607
Cash dividends	$192,000	5,208
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$716,000	5,365
1999-12-31 (YTD Data)		Rank
Total interest income	$3,537,000	6,782
Total interest expense	$1,403,000	7,188
Net interest income	$2,134,000	6,404
Provision for loan and lease losses	$370,000	2,232
Total noninterest income	$260,000	6,844
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	6,125
Trading account gains and fees	NA	NA
Additional Noninterest Income	$127,000	6,013
Total noninterest expense	$1,468,000	6,860
Salaries and employee benefits	$718,000	7,140
Premises and equipment expense	$154,000	7,595
Additional noninterest expense	$596,000	5,845
Pre-tax net operating income	$556,000	6,880
Securities gains (losses)	$0	3,155
Applicable income taxes	$117,000	6,695
Income before extraordinary items	$439,000	6,770
Extraordinary gains, net	$0	35
Net income	$439,000	6,767
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	2,666
Cash dividends	$182,000	5,375
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$439,000	6,746
1998-12-31 (YTD Data)		Rank
Total interest income	$3,090,000	7,426
Total interest expense	$1,264,000	7,762
Net interest income	$1,826,000	6,999
Provision for loan and lease losses	$188,000	3,645
Total noninterest income	$149,000	8,247
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	7,135
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	7,707
Total noninterest expense	$1,284,000	7,299
Salaries and employee benefits	$702,000	7,174
Premises and equipment expense	$133,000	8,008
Additional noninterest expense	$449,000	6,813
Pre-tax net operating income	$503,000	7,346
Securities gains (losses)	$0	4,449
Applicable income taxes	$162,000	6,678
Income before extraordinary items	$341,000	7,587
Extraordinary gains, net	$0	32
Net income	$341,000	7,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$186,000	2,563
Cash dividends	$210,000	5,268
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$341,000	7,505
1997-12-31 (YTD Data)		Rank
Total interest income	$2,403,000	8,506
Total interest expense	$1,041,000	8,579
Net interest income	$1,362,000	8,318
Provision for loan and lease losses	$24,000	7,686
Total noninterest income	$165,000	8,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	6,900
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	8,389
Total noninterest expense	$1,091,000	8,033
Salaries and employee benefits	$585,000	8,019
Premises and equipment expense	$57,000	10,024
Additional noninterest expense	$449,000	6,934
Pre-tax net operating income	$412,000	8,380
Securities gains (losses)	$9,000	2,430
Applicable income taxes	$143,000	7,708
Income before extraordinary items	$278,000	8,538
Extraordinary gains, net	$0	44
Net income	$278,000	8,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,572
Cash dividends	$188,000	5,544
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$272,060	8,546
1996-12-31 (YTD Data)		Rank
Total interest income	$2,133,000	9,194
Total interest expense	$894,000	9,351
Net interest income	$1,239,000	8,937
Provision for loan and lease losses	$23,000	7,847
Total noninterest income	$148,000	9,035
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	7,673
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	8,626
Total noninterest expense	$966,000	8,797
Salaries and employee benefits	$517,000	8,734
Premises and equipment expense	$127,000	8,603
Additional noninterest expense	$322,000	8,651
Pre-tax net operating income	$398,000	8,516
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$121,000	8,388
Income before extraordinary items	$278,000	8,611
Extraordinary gains, net	$0	53
Net income	$278,000	8,609
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,019
Cash dividends	$187,000	5,618
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$277,300	8,550
1995-12-31 (YTD Data)		Rank
Total interest income	$1,956,000	9,789
Total interest expense	$785,000	10,007
Net interest income	$1,171,000	9,418
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$132,000	9,617
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,130
Total noninterest expense	$934,000	9,242
Salaries and employee benefits	$457,000	9,478
Premises and equipment expense	$134,000	8,673
Additional noninterest expense	$343,000	8,763
Pre-tax net operating income	$359,000	9,332
Securities gains (losses)	$13,000	2,193
Applicable income taxes	$113,000	8,910
Income before extraordinary items	$259,000	9,335
Extraordinary gains, net	$0	65
Net income	$259,000	9,339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,036
Cash dividends	$264,000	4,849
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$249,900	9,398
1994-12-31 (YTD Data)		Rank
Total interest income	$1,884,000	10,020
Total interest expense	$618,000	10,516
Net interest income	$1,266,000	9,572
Provision for loan and lease losses	$0	9,146
Total noninterest income	$134,000	10,039
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	9,881
Total noninterest expense	$880,000	9,866
Salaries and employee benefits	$456,000	9,781
Premises and equipment expense	$135,000	8,947
Additional noninterest expense	$289,000	10,082
Pre-tax net operating income	$520,000	8,520
Securities gains (losses)	$7,000	2,440
Applicable income taxes	$189,000	7,532
Income before extraordinary items	$338,000	8,745
Extraordinary gains, net	$0	249
Net income	$338,000	8,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$191,000	5,620
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$333,520	8,846
1993-12-31 (YTD Data)		Rank
Total interest income	$2,004,000	10,168
Total interest expense	$620,000	11,025
Net interest income	$1,384,000	9,467
Provision for loan and lease losses	$0	10,371
Total noninterest income	$117,000	10,904
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	9,110
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	10,664
Total noninterest expense	$893,000	10,218
Salaries and employee benefits	$438,000	10,259
Premises and equipment expense	$149,000	8,943
Additional noninterest expense	$306,000	10,371
Pre-tax net operating income	$608,000	7,894
Securities gains (losses)	$128,000	2,175
Applicable income taxes	$207,000	7,496
Income before extraordinary items	$529,000	7,311
Extraordinary gains, net	$0	3,149
Net income	$529,000	7,486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	8,555
Cash dividends	$194,000	5,562
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$436,840	7,811
1992-12-31 (YTD Data)		Rank
Total interest income	$2,155,000	10,578
Total interest expense	$833,000	11,181
Net interest income	$1,322,000	9,895
Provision for loan and lease losses	$81,000	7,858
Total noninterest income	$110,000	11,456
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$76,000	9,331
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	11,488
Total noninterest expense	$880,000	10,611
Salaries and employee benefits	$445,000	10,355
Premises and equipment expense	$147,000	9,210
Additional noninterest expense	$288,000	11,000
Pre-tax net operating income	$471,000	8,627
Securities gains (losses)	$-19,000	13,465
Applicable income taxes	$19,000	12,141
Income before extraordinary items	$433,000	7,904
Extraordinary gains, net	$0	1,422
Net income	$433,000	8,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	7,683
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$451,240	7,371

* 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.