Four Oaks Bank & Trust Company

Four Oaks Bank & Trust Company is headquartered in Four Oaks and is the 18^st largest bank in the state of North Carolina. It is also the 707^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 195 employees at 18 locations. Four Oaks Bank & Trust Company has a 1-star health rating.

Data for Q1 2012

Institution Statistics Four Oaks Bank & Trust Company FDIC Certificate # 11506 BankRate Report View Year Established 1912 Employees 195 Primary Regulator FED Assets and Liabilities Assets $932.54 million Loans $560.30 million Deposits $761.47 million Equity Capital $51.78 million Loan Loss Allowance $19.38 million Unbacked Noncurrent Loans $55.48 million Real Estate Owned $13.22 million Historic Data - March 2011 Assets $960.54 million Equity Capital $54.93 million Loan Loss Allowance $22.13 million Unbacked Noncurrent Loans $53.51 million Real Estate Owned $8.22 million Profit Margin - Quarterly Net Interest Margin 2.92% Return on Assets 0.36% Return on Equity 6.42% Interest Income $9.14 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Four Oaks Bank & Trust Company had $68.7 million in non-current loans and owned real-estate with $71.16 million in equity and loan loss allowances on hand to cover it. This gives Four Oaks Bank & Trust Company a Texas Ratio of 96.54% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Four Oaks Bank & Trust Company increased slightly from 79.61% as of March 31, 2011 to 96.54% as of March 31, 2012, resulting in a negative change of 21.27%. This indicates that the balance sheet and financial strength for Four Oaks Bank & Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Four Oaks Bank & Trust Company has decreased its total deposits by -$23.4 million, resulting in -2.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Four Oaks Bank & Trust Company has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Four Oaks Bank & Trust Company has $932.54 million in assets with $71.16 million in equity, resulting in a capitalization level of 7.63%, which is below average.

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