Vitals
  • Total Assets
    717.6M 3.9 %
  • Total Deposits
    555.9M 2.1 %
  • Total Net Loans
    497.6M 10.6 %
  • Net Income
    6.6M -67.4 %
  • Book Value
    88.6M 8.8 %
  • Book Value x2
    177.2M 8.8 %
  • Book Value x3
    265.9M 8.8 %
ROAA

.935

ROAE

7.815

Efficiency Ratio

79.498

Net Interest Margin

3.895

Balance Sheet Highlights
Financial Highlights Four Oaks Bank & Trust Company All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 717,626 1,412,230
Total Net Loans 497,563 1,020,122
Total Deposits 555,910 1,134,979
Total Equity 88,625 173,608
Profitability
Net Income 6,642 10,887
Return on Average Assets .935 .777
Return on Average Equity 7.815 6.782
Net Interest Margin 3.895 3.73
Efficiency Ratio 79.498 75.532
Noninterest Income/Revenue 14.824 18.66
Balance Sheet Ratios
Loan-to-Deposit 89.504 86.082
Securities/Assets .152 .132
Total Equity/Total Assets .123 .123
Tangible Equity/Tangible Assets .123 .104
Capital Adequacy
Tier 1 Common Capital 77,585 139,754
Tier 1 Capital 77,585 140,214
Tier 2 Capital 6,893 8,389
Total Capital 84,478 148,590
Total Risk Weighted Assets 548,674 1,125,721
Leverage Ratio 11 10.209
Common Equity Tier 1 Capital Ratio 14.14 13.055
Tier 1 Capital Ratio 14.14 13.195
Total Capital Ratio 15.4 14.232

Timeline for Four Oaks Bank & Trust Company

Nuestro Banco

Acquisition: Four Oaks Bank & Trust Company acquired a new subsidiary, Nuestro Banco, 14 years

View Profile Jan 01 2010

Longleaf Community Bank

Acquisition: Four Oaks Bank & Trust Company acquired a new subsidiary, Longleaf Community Bank, 16 years

View Profile Apr 18 2008

Four Oaks Fincorp, Inc.

Four Oaks Fincorp, Inc. became a new parent organization for Four Oaks Bank & Trust Company.

View Profile Jul 01 1997

Four Oaks Bank & Trust Company

Four Oaks Bank & Trust Company was established 112 years ago and is currently headquartered in Four Oaks, NC.

Jan 01 1912
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Nuestro Banco Seller 15,461 Acquisition Discontinued 1/1/2010
Longleaf Community Bank Seller 62,677 Acquisition Discontinued 4/18/2008
Relationships Role Relationship Start Relationship End
Four Oaks Fincorp, Inc. Parent 7/1/1997
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