Four Oaks Bank & Trust Company
Four Oaks, NC — State Member Bank
Active
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Four Oaks Bank & Trust Company | All Insured Commercial Banks in North Carolina |
| Interest and Fees on Loans | 25,464 | 43,859 |
| Income from Lease Financing Receivables | — | 183 |
| 85 | 287 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | 44 | 148 |
| Income on Loans and Leases (TE) | 25,508 | 44,236 |
| Investment Interest Income (TE) | 3,106 | 4,769 |
| Total Interest Income (TE) | 29,230 | 49,636 |
| Total Interest Expense | 3,814 | 4,652 |
| Net Interest Income (TE) | 25,416 | 44,984 |
| Non-Interest Income | 5,087 | 11,387 |
| Adjusted Operating Income (TE) | 30,503 | 56,298 |
| Non-interest Expense | 24,249 | 38,609 |
| Provision for Loan & Lease Losses | — | 1,359 |
| Pretax Operating Income (TE) | 6,254 | 16,556 |
| Pretax Net Operating Income (TE) | 6,520 | 16,646 |
| Applicable Income Taxes | -166 | 5,112 |
| Net Operating Income | 6,642 | 10,887 |
| Net Income | 6,642 | 10,887 |
| Cash Dividends Declared | — | 5,698 |
| Retained Earnings | 6,642 | 5,606 |