Call reports 2004
FOUR OAKS BANK & TRUST COMPANY — 2004
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 365,953,000 | 384,466,000 | 386,453,000 | 399,336,000 |
| Total loans | 289,980,000 | 300,511,000 | 307,220,000 | 312,815,000 |
| Allowance for loan losses | 3,865,000 | 3,805,000 | 4,000,000 | 4,055,000 |
| Securities available for sale | 43,616,000 | 49,796,000 | 47,553,000 | 51,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,907,000 | 306,436,000 | 307,427,000 | 319,936,000 |
| Interest-bearing deposits | 234,339,000 | 249,158,000 | 250,642,000 | 258,637,000 |
| Noninterest-bearing deposits | 53,568,000 | 57,278,000 | 56,785,000 | 61,299,000 |
| Equity capital | 31,503,000 | 30,757,000 | 33,008,000 | 33,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,019,000 | 10,275,000 | 15,881,000 | 21,733,000 |
| Interest expense | 1,344,000 | 2,751,000 | 4,265,000 | 5,841,000 |
| Net interest income | 3,675,000 | 7,524,000 | 11,616,000 | 15,892,000 |
| Noninterest income | 837,000 | 1,722,000 | 2,797,000 | 3,702,000 |
| Noninterest expense | 2,771,000 | 5,633,000 | 8,421,000 | 11,478,000 |
| Provision for loan losses | 568,000 | 990,000 | 1,391,000 | 1,596,000 |
| Pretax income | 1,229,000 | 2,729,000 | 4,665,000 | 6,591,000 |
| Income tax | 429,000 | 961,000 | 1,615,000 | 2,306,000 |
| Net income | 800,000 | 1,768,000 | 3,050,000 | 4,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,934,000 | 31,636,000 | 32,925,000 | 33,668,000 |
| Total capital | 34,581,000 | 35,441,000 | 36,828,000 | 37,642,000 |
| Risk-weighted assets | 291,557,000 | 305,731,000 | 312,144,000 | 317,842,000 |
Machine access — free, no API key
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