Call reports 2006
FOUR OAKS BANK & TRUST COMPANY — 2006
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 536,895,000 | 563,628,000 | 596,908,000 | 606,905,000 |
| Total loans | 409,740,000 | 424,737,000 | 445,330,000 | 461,762,000 |
| Allowance for loan losses | 5,117,000 | 5,310,000 | 5,567,000 | 5,566,000 |
| Securities available for sale | 82,537,000 | 95,322,000 | 104,414,000 | 99,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,094,000 | 436,029,000 | 473,551,000 | 471,830,000 |
| Interest-bearing deposits | 349,261,000 | 358,516,000 | 399,588,000 | 399,275,000 |
| Noninterest-bearing deposits | 76,833,000 | 77,513,000 | 73,963,000 | 72,555,000 |
| Equity capital | 50,563,000 | 51,224,000 | 53,755,000 | 55,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,235,000 | 18,901,000 | 29,428,000 | 40,511,000 |
| Interest expense | 3,623,000 | 7,631,000 | 12,251,000 | 17,378,000 |
| Net interest income | 5,612,000 | 11,270,000 | 17,177,000 | 23,133,000 |
| Noninterest income | 897,000 | 1,803,000 | 3,435,000 | 4,241,000 |
| Noninterest expense | 3,482,000 | 7,243,000 | 11,129,000 | 15,427,000 |
| Provision for loan losses | 186,000 | 354,000 | 686,000 | 873,000 |
| Pretax income | 2,821,000 | 5,390,000 | 8,694,000 | 10,953,000 |
| Income tax | 1,030,000 | 1,892,000 | 2,966,000 | 3,619,000 |
| Net income | 1,791,000 | 3,498,000 | 5,728,000 | 7,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,635,000 | 52,679,000 | 54,624,000 | 56,052,000 |
| Total capital | 56,752,000 | 57,989,000 | 60,191,000 | 61,618,000 |
| Risk-weighted assets | 425,452,000 | 444,282,000 | 467,218,000 | 481,793,000 |
Machine access — free, no API key
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