This institution is no longer active
Operations ceased on June 15, 2000. CRA examination history below reflects the period it was active.
LINCOLNTON, NC · Supervised by FDIC
Contact & Details
FDIC BankFindFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$508M
Total Deposits
$435M
Net Loans
$357M
Net Income
$2M
ROA
1.46%
Above avg for Small banks. Peer avg: 0.44%
ROE
17.98%
Risk-Based Capital
12.35%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 1999 | Satisfactory | Large Bank |
| Jun 1997 | Satisfactory | Small Bank |
| Jul 1995 | Satisfactory | Not Reported |
1 previous rating locked — back to 1993
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