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1st State Bancorp, Inc.
445 S. Main Street, Burlington, NC 27215 * (336) 227-8861
Business Description The company is a savings and loan holding company for 1st State Bank. The bank is a community and customer oriented North Carolina chartered savings bank with five full service branch offices located in north central North Carolina.
Offering
Information

Company has
gone public

Trading As  FSBC (NASNTL) Industry  Savings Bank (SIC 6035)
Type of Stock Offered  Common Shares Filing Date  11/30/1998
Domestic Shares Offered  2,976,000 Offer Date  04/26/1999
Foreign Shares Offered  0 Filing Price  $20.00
Company Shares  2,976,000 Offer Price  $16.00
Selling Shrhldrs Shares  0 Gross Spread  - -
Gross Proceeds  $47,616,000 Selling  - -
Expenses  - - Reallowance  - -
Post-IPO Shares  2,133,750 Employees  - -
Primary
Underwriting
Group
Underwriter NameParticipationUnderwriter Phone
Trident Securities, Inc. Lead Manager (919) 781-8900
Income
Statement
and
Cash Flow
Summary
  Prior
Audited
Income
Latest
Unaudited
Income
  Full Year Audited Figures - - Months Ending
Figures in U.S. millions except per share data         09/30/1998    
Revenues   - - - - 22.205 - -
Income from Oper.   - - - - - - -
Net Income   - - - - 2.521 - -
E.P.S   - - - - - - -
Revenue Growth (%)      - - - -   -
Net Income Growth (%)      - - - -   -
Oper. Profit Margin (%)    - - - - - - -
Net Profit Margin (%)    - - - - 11.35 - -
Cash Flow - Oper.     -2.56 - -
Cash Flow - Inv.     -6.62 - -
Cash Flow - Fin.     25.27 - -
Balance Sheet
Summary
and
Financial
Ratios
Balance sheet as of: 09/30/1998 Financial Ratios
Total Assets    288.22 Current Assets    - Current Ratio    -
Total Liab.    262.26 Current Liab.    - Debt Ratio    90.99%
Total Equity    25.97 Working Cap.    - Debt to Equity Ratio    10.10
Cash    31.08    Return on Assets   0.87%
Use Of
Proceeds
The proceeds from the proposed offering will be used for general corporate purposes.
Legal Counsel
Registrar
Auditor
Issuer's Law Firm  Housley Goldberg & Kantarian
Bank's Law Firm  Patton Boggs LLP
Auditor  KPMG Peat Marwick
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Last updated: 09/29/1999 3:50:38 AM
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