FNB UNITED CORP
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FNB Corp. operates as the holding company for First National Bank and Trust Company (FNBTC) that provides commercial banking services in North Carolina. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, money market, time, and certificates of deposit. FNBTC's loan portfolio comprises commercial, agricultural, real estate, and consumer loans. It also provides Internet banking, cash management, investment management, and trust services. The bank primarily invests in the obligations of the U.S. government agencies and corporations; mortgage-backed securities; and state, county, and municipal securities. FNB Corp, through other subsidiary, Dover Mortgage Company (DMC), originates, underwrites, and closes mortgage loans for sale into the secondary market. DMC operates mortgage production offices in Carolina Beach, Charlotte, Goldsboro, Greenville, Lake Norman, Leland, Raleigh, and Wilmington. As of June 30, 2005, FNBTC operated 21 community YES! Banks in Archdale, Asheboro, Biscoe, China Grove, Ellerbe, Greensboro, Kannapolis, Laurinburg, Pinehurst, Ramseur, Randleman, Rockingham, Salisbury, Seagrove, Siler City, Southern Pines, and Trinity. The company was formed in 1907 and is based in Asheboro, North Carolina.