Call reports 2011
FOUR OAKS BANK & TRUST COMPANY — 2011
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 960,539,000 | 947,428,000 | 914,039,000 | 914,675,000 |
| Total loans | 681,332,000 | 656,381,000 | 620,266,000 | 602,232,000 |
| Allowance for loan losses | 22,125,000 | 21,899,000 | 22,337,000 | 21,141,000 |
| Securities available for sale | 104,022,000 | 119,587,000 | 90,474,000 | 91,549,000 |
| Securities held to maturity | 0 | 0 | 12,542,000 | 20,445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 784,870,000 | 767,280,000 | 744,286,000 | 747,315,000 |
| Interest-bearing deposits | 685,959,000 | 646,458,000 | 610,565,000 | 609,052,000 |
| Noninterest-bearing deposits | 98,911,000 | 120,822,000 | 133,721,000 | 138,262,000 |
| Equity capital | 54,932,000 | 55,331,000 | 53,376,000 | 50,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,647,000 | 21,023,000 | 30,679,000 | 39,883,000 |
| Interest expense | 3,391,000 | 6,732,000 | 9,867,000 | 12,879,000 |
| Net interest income | 7,256,000 | 14,291,000 | 20,812,000 | 27,004,000 |
| Noninterest income | 771,000 | 1,729,000 | 2,583,000 | 1,674,000 |
| Noninterest expense | 6,272,000 | 12,876,000 | 19,181,000 | 25,642,000 |
| Provision for loan losses | 2,631,000 | 5,126,000 | 9,832,000 | 11,440,000 |
| Pretax income | -832,000 | -1,654,000 | -4,875,000 | -7,556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -832,000 | -1,654,000 | -4,875,000 | -7,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,895,000 | 55,109,000 | 51,922,000 | 49,283,000 |
| Total capital | 64,491,000 | 63,166,000 | 59,565,000 | 56,733,000 |
| Risk-weighted assets | 674,189,000 | 630,714,000 | 596,771,000 | 581,785,000 |