Call reports 2007
FOUR OAKS BANK & TRUST COMPANY — 2007
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 635,507,000 | 661,943,000 | 681,516,000 | 706,718,000 |
| Total loans | 475,736,000 | 490,040,000 | 507,012,000 | 545,270,000 |
| Allowance for loan losses | 5,756,000 | 5,930,000 | 6,185,000 | 6,653,000 |
| Securities available for sale | 115,870,000 | 125,021,000 | 125,620,000 | 112,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,921,000 | 520,789,000 | 519,039,000 | 541,934,000 |
| Interest-bearing deposits | 420,450,000 | 441,636,000 | 442,755,000 | 467,096,000 |
| Noninterest-bearing deposits | 79,471,000 | 79,153,000 | 76,284,000 | 74,838,000 |
| Equity capital | 57,067,000 | 57,394,000 | 59,944,000 | 61,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,114,000 | 22,695,000 | 34,996,000 | 47,455,000 |
| Interest expense | 5,342,000 | 11,097,000 | 17,104,000 | 23,175,000 |
| Net interest income | 5,772,000 | 11,598,000 | 17,892,000 | 24,280,000 |
| Noninterest income | 1,013,000 | 1,675,000 | 2,858,000 | 3,851,000 |
| Noninterest expense | 4,203,000 | 8,704,000 | 12,968,000 | 17,409,000 |
| Provision for loan losses | 262,000 | 494,000 | 774,000 | 1,362,000 |
| Pretax income | 2,321,000 | 4,046,000 | 6,964,000 | 9,324,000 |
| Income tax | 750,000 | 1,315,000 | 2,311,000 | 3,187,000 |
| Net income | 1,571,000 | 2,731,000 | 4,653,000 | 6,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,446,000 | 58,260,000 | 59,800,000 | 60,852,000 |
| Total capital | 63,202,000 | 64,190,000 | 65,985,000 | 67,505,000 |
| Risk-weighted assets | 498,719,000 | 516,809,000 | 532,794,000 | 568,223,000 |
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