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Profile - Innes Street Financial (NasdaqSC:ISFC)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider
Recent Events
Aug 22Price hit new 52-week high ($18.20)
Upcoming Events
Sep 15Dividend payment of $0.05
Location
401 West Innes Street, P.O. Box 1929
Salisbury, NC 28144
Phone: (704) 633-2341
Fax: (704) 638-5900
Employees (last reported count): 39
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: S&Ls/Savings Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 24%
·Institutional: 8% (11% of float)
(3 institutions)
·Net Inst. Selling: 12.0K shares (+8.22%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Innes Street Financial Corporation is the holding company for Citizens Bank, FSB (the Bank). The Bank is engaged primarily in the business of attracting deposits from the general public and using such deposits to make mortgage loans secured by real estate. The Bank makes one- to four-family residential real estate loans and, to a lesser extent, multi-family residential loans, nonresidential loans, construction and development loans, home equity loans, and commercial and consumer loans. The Bank has served the Salisbury, North Carolina, area for over 90 years.
More from Market Guide: Expanded Business Description

Financial Summary
ISFC is a bank holding company for Citizens Bank, which provides mortgage loans to residential and commercial customers in Salisbury, NC. For the nine months ended 6/30/01, interest income rose 9% to $11.9 million. Net interest income after loan loss prov. fell 9% to $4.4 million. Net income fell 14% to $929 thousand. Net interest income reflects increased loan receivables offset by higher borrowings. Net income reflects increased charitable contributions and higher loan expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Ronald Bostian, 62
Pres, CEO,
$448K
Dianne Hawkins, 37
Treasurer and Controller
228K
Ralphelle Butler, 52
Sec.
--  
Dollar amounts are as of 30-Sep-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 -- NasdaqSC:ISFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 15-June-2001
$10.75 
Recent Price$18.10 
52-Week High
on 22-Aug-2001
$18.20 
Beta-0.38 
Daily Volume (3-month avg)7,091 
Daily Volume (10-day avg)4,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+59.1%
52-Week Change
relative to S&P500
+113.5%
Share-Related Items
Market Capitalization$35.7M
Shares Outstanding1.97M
Float1.50M
Dividends & Splits
Annual Dividend (indicated)$0.20 
Dividend Yield1.10%
Last Splitnone 
Per-Share Data
Book Value (mrq)$13.60 
Earnings (ttm)$0.68 
Earnings (mrq)$0.21 
Sales (ttm)$9.14 
Cash (mrq)$3.53 
Valuation Ratios
Price/Book (mrq)1.33 
Price/Earnings (ttm)26.70 
Price/Sales (ttm)1.98 
Income Statements
Sales (ttm)$15.8M
EBITDAN/A 
Income available to common (ttm)$1.18M
Profitability
Profit Margin (ttm)7.4%
Operating Margin (ttm)36.8%
Fiscal Year
Fiscal Year EndsSep 30
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.56%
Return on Equity (ttm)4.47%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$6.98M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume17.0K
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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