Call reports 2013
FOUR OAKS BANK & TRUST COMPANY — 2013
What FOUR OAKS BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 801,282,000 | 825,316,000 | 809,359,000 | 820,014,000 |
| Total loans | 487,004,000 | 490,254,000 | 496,203,000 | 492,712,000 |
| Allowance for loan losses | 15,247,000 | 14,038,000 | 12,296,000 | 11,590,000 |
| Securities available for sale | 76,899,000 | 4,707,000 | 7,668,000 | 31,410,000 |
| Securities held to maturity | 24,021,000 | 105,319,000 | 102,173,000 | 98,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 639,909,000 | 658,133,000 | 646,756,000 | 658,157,000 |
| Interest-bearing deposits | 456,432,000 | 452,049,000 | 431,658,000 | 429,625,000 |
| Noninterest-bearing deposits | 183,477,000 | 206,084,000 | 215,098,000 | 228,532,000 |
| Equity capital | 44,927,000 | 44,765,000 | 44,908,000 | 44,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,498,000 | 14,739,000 | 22,232,000 | 29,848,000 |
| Interest expense | 1,954,000 | 3,865,000 | 5,735,000 | 7,549,000 |
| Net interest income | 5,544,000 | 10,874,000 | 16,497,000 | 22,299,000 |
| Noninterest income | 1,463,000 | 2,475,000 | 3,313,000 | 4,538,000 |
| Noninterest expense | 6,645,000 | 13,086,000 | 19,243,000 | 26,366,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 376,000 | 598,000 | 994,000 | 898,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 376,000 | 598,000 | 994,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,189,000 | 44,763,000 | 44,821,000 | 44,739,000 |
| Total capital | 50,039,000 | 50,644,000 | 50,761,000 | 50,601,000 |
| Risk-weighted assets | 458,625,000 | 462,319,000 | 468,076,000 | 463,218,000 |