Call reports 2012
FOUR OAKS BANK & TRUST COMPANY — 2012
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 932,542,000 | 902,232,000 | 905,121,000 | 863,473,000 |
| Total loans | 579,678,000 | 553,727,000 | 540,382,000 | 517,225,000 |
| Allowance for loan losses | 19,383,000 | 18,418,000 | 16,921,000 | 16,549,000 |
| Securities available for sale | 111,280,000 | 86,429,000 | 81,303,000 | 72,536,000 |
| Securities held to maturity | 24,456,000 | 23,104,000 | 21,882,000 | 20,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,471,000 | 732,581,000 | 736,583,000 | 700,682,000 |
| Interest-bearing deposits | 610,151,000 | 571,598,000 | 551,803,000 | 511,372,000 |
| Noninterest-bearing deposits | 151,320,000 | 160,983,000 | 184,780,000 | 189,310,000 |
| Equity capital | 51,775,000 | 52,118,000 | 50,452,000 | 44,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,137,000 | 17,680,000 | 25,966,000 | 34,289,000 |
| Interest expense | 2,913,000 | 5,766,000 | 8,358,000 | 10,748,000 |
| Net interest income | 6,224,000 | 11,914,000 | 17,608,000 | 23,541,000 |
| Noninterest income | 773,000 | 1,381,000 | 1,905,000 | 2,146,000 |
| Noninterest expense | 6,434,000 | 13,247,000 | 19,609,000 | 26,309,000 |
| Provision for loan losses | -247,000 | -286,000 | 1,803,000 | 7,381,000 |
| Pretax income | 822,000 | 991,000 | -893,000 | -6,022,000 |
| Income tax | 0 | -175,000 | -175,000 | -175,000 |
| Net income | 822,000 | 1,166,000 | -718,000 | -5,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,142,000 | 50,507,000 | 48,650,000 | 43,797,000 |
| Total capital | 57,094,000 | 57,174,000 | 55,187,000 | 50,044,000 |
| Risk-weighted assets | 543,000,000 | 522,002,000 | 512,426,000 | 490,574,000 |