# FOUR OAKS BANK&TRUST CO
FOUR OAKS, NC · FDIC certificate 11506 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $723.7M | |
| Deposits | $561.8M | |
| Loans and leases | $503.8M | |
| Total equity | $93.4M | |
| Loans / deposits | 88.00% (p57 of band) | 85.45% |
| Liquid assets / assets | 23.95% (p52 of band) | |
| Uninsured deposits / deposits | 16.73% (p33 of band) | 21.11% |
| Brokered deposits | 2.47% | |
| Wholesale funding | 11.45% (p72 of band) | |
| FHLB advances / assets | 8.98% | |
| Tier 1 leverage | 11.82% (p76 of band) | 10.27% |
| Unrealized securities loss / equity | 1.05% (p74 of band) | 0.09% |
| AOCI / equity | 0.44% (p36 of band) | |
| ROA (annualized) | 0.84% (p38 of band) | 0.96% |
| Net interest margin | 4.10% (p78 of band) | 3.65% |
| Efficiency ratio | 71.10% (p65 of band) | |
| Noncurrent loans | 0.74% (p59 of band) | 0.60% |
| Net charge-offs (annualized) | 0.05% (p65 of band) | |
| Reserve coverage of noncurrent | 252.15% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 101.75% (p91 of band) | |
| Auto loans | $1.7M (0.34% of loans; DQ 0.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 152 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, leverage <7%, losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | noncurrent p90 |  |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 7 | expense ratio p90 | losing money, capital falling |
| 2012-06 | 8 | uninsured deposits leaving |  |
| 2012-09 | 8 | losing money | brokered >10% |
| 2012-12 | 12 | capital falling, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2013-03 | 9 |  | uninsured deposits leaving, losing money, capital falling |
| 2013-06 | 9 |  |  |
| 2013-09 | 9 |  |  |
| 2013-12 | 10 | capital falling |  |
| 2014-03 | 5 |  | expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking, capital falling |
| 2014-06 | 5 |  |  |
| 2014-09 | 6 | losing money, charge-offs p90 | leverage <7% |
| 2014-12 | 4 |  | wholesale funding >15%, noncurrent p90 |
| 2015-03 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent, losing money, charge-offs p90 |
| 2015-06 | 5 | wholesale funding >15%, uninsured deposits leaving |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 | expense ratio p90 | wholesale funding >15% |
| 2016-03 | 6 | wholesale funding >15%, charge-offs p90 | expense ratio p90 |
| 2016-06 | 1 |  | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | construction >100% equity | wholesale funding >15% |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 1 | construction >100% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11506 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "11506", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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