2004 Annual Report > Southeast > First Carolina State Bank

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“The customers are always first at First Carolina State Bank. Our experienced and dedicated employees are the key to our success. We want to maximize our shareholders’ investments with smart loan decisions that are made at our bank. The president’s office is on the first floor of our building and it is open to the public.”

- Red Kimball, Owner, Bank Director

First Carolina State Bank was launched in 2000 with a mission to provide a unique banking alternative for the citizens of our local communities. We feel we are accomplishing this by providing comprehensive and reasonably-priced financial services for our customers.

In 2002, we opened a loan production office in nearby Tarboro with veteran banking officer Steve Cobb as manager. Our success in Tarboro has led to the decision to open a full-service office there in 2005.

We enjoyed a good year in 2004 with meaningful growth in our traditional lines of business. Our plan is to accelerate this growth in the coming year with the new office and additional staff in Tarboro.

First Carolina provides a positive work environment where our employees can grow and develop along with our bank. We truly want to make our communities better places to work and live.

In all of our dealings with customers, we make it a point to be courteous and friendly. Our staff is composed of experienced banking professionals who have a personal interest in the communities we serve.

Our goal from the beginning was to provide shareholders with long-term economic rewards and our affiliation with Capitol Bancorp is consistent with this goal.

David A. Parker
President & CEO