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Profile - First Charter Corp. (NasdaqNM:FCTR)
As of 31-Aug-2001
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Upcoming Events
Oct 18Dividend payment of $0.18
Location
10200 David Taylor Drive
Charlotte, NC 28262
Phone: (704) 688-4300
Fax: (704) 788-0403
Employees (last reported count): 852
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Analyst Upgrade/Downgrade History
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 5%
·Over the last 6 months:
 · 3 insider sells; 9,000  shares
  (0.6% of insider shares)
·Institutional: 15% (16% of float)
(106 institutions)
·Net Inst. Buying: 369.0K shares (+7.38%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
First Charter Corporation is a bank holding company of First Charter National Bank (the Bank). The Bank accounts for over 95% of the Company's consolidated assets and consolidated revenues. The Bank is a full-service national bank that operates 52 financial centers and five insurance offices in addition to its main office, as well as 99 automated teller machines. The Bank provides a wide range of banking products, including interest-bearing and non-interest-bearing checking accounts; "Money Market Rate" accounts; certificates of deposit; individual retirement accounts; overdraft protection; commercial, consumer, agriculture, real estate, residential mortgage and home equity loans; personal and corporate trust services; safe deposit boxes, and automated banking. The Company also offers full service and discount brokerage services, annuity sales and financial planning services, pursuant to a third-party arrangement with UVEST Investment Services through First Charter Brokerage Services.
More from Market Guide: Expanded Business Description

Financial Summary
First Charter is a multi-bank holding company for First Charter National Bank, Bank of Union and HFNC Financial Corp. For the six months ended 6/30/01, total interest income rose 4% to $109.5 million. Net interest income after loan loss prov. fell 2% to $49.8 million. Net income rose from $5.8 million to $17.7 million. Net interest income reflects increased average loans, offset by higher interest expenses. Earnings reflect the absence of $16.3 million in restructuring and other charges.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

J. Roy Davis, Jr., 66
Chairman
--  
Lawrence Kimbrough, 60
Pres and CEO
$304K
Robert Bratton, 52
CFO, Exec. VP, Treasurer
212K
James Burt, III, 62
Exec. VP, Director
--  
Robert James, Jr., 50
Exec. VP
211K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:FCTRAs of 31-Aug-2001
Price and Volume
52-Week Low
on 8-Dec-2000
$12.75 
Recent Price$17.23 
52-Week High
on 29-June-2001
$18.75 
Beta0.24 
Daily Volume (3-month avg)31.1K
Daily Volume (10-day avg)18.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+7.3%
52-Week Change
relative to S&P500
+43.9%
Share-Related Items
Market Capitalization$537.9M
Shares Outstanding31.2M
Float29.7M
Dividends & Splits
Annual Dividend (indicated)$0.72 
Dividend Yield4.18%
Last Split: 6 for 5 on 18-June-1997
Per-Share Data
Book Value (mrq)$10.22 
Earnings (ttm)$1.16 
Earnings (mrq)$0.28 
Sales (ttm)$6.96 
Cash (mrq)$2.39 
Valuation Ratios
Price/Book (mrq)1.69 
Price/Earnings (ttm)14.85 
Price/Sales (ttm)2.47 
Income Statements
Sales (ttm)$220.7M
EBITDAN/A 
Income available to common (ttm)$36.8M
Profitability
Profit Margin (ttm)16.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.25%
Return on Equity (ttm)11.93%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$75.7M
Short Interest
As of 8-Aug-2001
Shares Short577.0K
Percent of Float1.9%
Shares Short
(Prior Month)
126.0K
Short Ratio17.48 
Daily Volume33.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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