Call reports 2003
FOUR OAKS BANK & TRUST COMPANY — 2003
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 323,545,000 | 332,897,000 | 328,222,000 | 342,827,000 |
| Total loans | 236,653,000 | 253,391,000 | 261,105,000 | 274,180,000 |
| Allowance for loan losses | 2,960,000 | 3,165,000 | 3,251,000 | 3,430,000 |
| Securities available for sale | 48,914,000 | 48,081,000 | 39,408,000 | 37,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,143,000 | 260,008,000 | 261,809,000 | 276,347,000 |
| Interest-bearing deposits | 211,861,000 | 210,229,000 | 213,173,000 | 223,693,000 |
| Noninterest-bearing deposits | 45,282,000 | 49,779,000 | 48,636,000 | 52,654,000 |
| Equity capital | 29,680,000 | 29,914,000 | 30,358,000 | 30,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,552,000 | 9,145,000 | 13,819,000 | 18,697,000 |
| Interest expense | 1,662,000 | 3,178,000 | 4,595,000 | 5,943,000 |
| Net interest income | 2,890,000 | 5,967,000 | 9,224,000 | 12,754,000 |
| Noninterest income | 749,000 | 1,609,000 | 2,544,000 | 3,372,000 |
| Noninterest expense | 2,528,000 | 5,283,000 | 7,944,000 | 10,572,000 |
| Provision for loan losses | 343,000 | 766,000 | 1,051,000 | 1,373,000 |
| Pretax income | 933,000 | 1,791,000 | 3,048,000 | 4,454,000 |
| Income tax | 303,000 | 548,000 | 1,065,000 | 1,612,000 |
| Net income | 630,000 | 1,243,000 | 1,983,000 | 2,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,093,000 | 29,234,000 | 29,978,000 | 30,362,000 |
| Total capital | 32,053,000 | 32,399,000 | 33,229,000 | 33,792,000 |
| Risk-weighted assets | 244,001,000 | 256,240,000 | 262,049,000 | 274,668,000 |
Machine access — free, no API key
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