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  September 5, 2001
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Home > Company Index > Banking > Banking - Southeast > Innes Street Financial Corporation

Innes Street Financial Corporation
Nasdaq (SC): ISFC
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 PROFILE
Innes Street Financial is the holding company for Citizens Bank, a community thrift with six branches north of Charlotte, North Carolina. Targeting individuals and businesses in Iredell and Rowan counties, Citizens attracts deposits by offering such standard retail services as checking, savings, NOW, and money market accounts, as well as CDs. Funds are primarily used to originate one- to four-family mortgages (almost 75% of the bank's portfolio) and home equity loans; its loan portfolio also includes multifamily mortgages, as well as construction and development, consumer, and other loans. The bank sells some of its loans onto the secondary market. Gaston Federal Bancorp is buying Innes Street Financial.

 COMPETITION
BB&T Corporation (BBT)
First Union Corporation (FTU)
SouthTrust Corporation (SOTR)

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 FINANCIAL OVERVIEW
Fiscal Year-End: September
2000 Sales (mil.): 15.10
1-Yr. Sales Growth: 5.6%
Employees: 42
Revenue per employee: $359,523.81

 KEY PEOPLE
• Ronald E. Bostian
    CEO
• Dianne E. Hawkins
    CFO

 CONTACT INFO
401 W. Innes St.
Salisbury, NC 28144
US
Phone: 704-633-2341
Fax: 704-638-5900

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