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Profile - South Street Financial (NasdaqNM:SSFC)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
Aug 28Price hit new 52-week high ($8.00)
Aug 28Price hit new 52-week low ($6.01)
Location
155 West South Street
Albemarle, NC 28001
Phone: (704) 982-9184
Fax: (704) 983-1308
Employees (last reported count): 41
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 20%
·Over the last 6 months:
 · one insider sell; 7,000  shares
  (1.1% of insider shares)
·Institutional: 7% (9% of float)
(6 institutions)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
South Street Financial Corp. is the holding company of Home Savings Bank of Albemarle, Inc. The Bank primarily is engaged in the business of attracting retail deposits from the general public, and using such deposits to make mortgage loans secured by real estate. The Bank makes mortgage loans secured by residential real property, including one-to-four family residential real estate loans, home equity line of credit loans and other subordinate lien loans, loans secured by improved nonresidential real property, loans secured by undeveloped real property and construction loans. The Bank also makes a limited number of loans, which are not secured by real property, such as loans secured by savings accounts. As of September 30, 1999, the Company had total assets of $174.5 million.
More from Market Guide: Expanded Business Description

Financial Summary
South Street Financial Corp. is the bank holding Company for Home Savings Bank of Albemarle, with offices in North Carolina. For the six months ended 6/30/01, total interest income rose 9% to $7.3 million. Net interest income after loan loss prov. fell 9% to $2.7 million. Net income rose 15% to $390 thousand. Net interest income reflects higher average loan balances, offset by higher interest on deposits. Earnings benefitted from a gain on the sale of assets.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY1999 Pay

Carl Hill, 67
Pres, CEO
$455K
R. Swanner, 51
Exec. VP, Sec.
358K
Christopher Cranford, 44
Controller and Treasurer
--  
Dollar amounts are as of 30-Sep-1999 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:SSFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 28-Aug-2001
$6.01 
Recent Price$6.80 
52-Week High
on 28-Aug-2001
$8.00 
Beta0.26 
Daily Volume (3-month avg)455 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change-1.1%
52-Week Change
relative to S&P500
+32.7%
Share-Related Items
Market Capitalization$21.2M
Shares Outstanding3.12M
Float2.50M
Dividends & Splits
Annual Dividend (indicated)$0.40 
Dividend Yield5.88%
Last Splitnone 
Per-Share Data
Book Value (mrq)$7.51 
Earnings (ttm)$0.27 
Earnings (mrq)$0.07 
Sales (ttm)$5.00 
Cash (mrq)$3.40 
Valuation Ratios
Price/Book (mrq)0.91 
Price/Earnings (ttm)24.82 
Price/Sales (ttm)1.36 
Income Statements
Sales (ttm)$14.4M
EBITDAN/A 
Income available to common (ttm)$783.0K
Profitability
Profit Margin (ttm)5.4%
Operating Margin (ttm)37.1%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.39%
Return on Equity (ttm)3.26%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$10.6M
Short Interest
As of 8-Aug-2001
Shares Short40.0K
Percent of Float1.6%
Shares Short
(Prior Month)
40.0K
Daily Volume0 
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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