Call reports 2004
FLOWERS NATIONAL BANK — 2004
What FLOWERS NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 16,156,000 | 16,209,000 | 17,194,000 | 18,594,000 |
| Total loans | 11,898,000 | 13,013,000 | 13,770,000 | 14,458,000 |
| Allowance for loan losses | 96,000 | 130,000 | 138,000 | 145,000 |
| Securities available for sale | 2,347,000 | 2,095,000 | 2,301,000 | 2,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,586,000 | 12,155,000 | 13,065,000 | 14,440,000 |
| Interest-bearing deposits | 12,478,000 | 11,141,000 | 12,145,000 | 12,969,000 |
| Noninterest-bearing deposits | 1,108,000 | 1,014,000 | 920,000 | 1,471,000 |
| Equity capital | 1,667,000 | 1,666,000 | 1,720,000 | 1,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 449,000 | 703,000 | 966,000 |
| Interest expense | 54,000 | 118,000 | 195,000 | 274,000 |
| Net interest income | 162,000 | 331,000 | 508,000 | 692,000 |
| Noninterest income | 18,000 | 42,000 | 69,000 | 89,000 |
| Noninterest expense | 130,000 | 254,000 | 383,000 | 530,000 |
| Provision for loan losses | 5,000 | 40,000 | 62,000 | 83,000 |
| Pretax income | 45,000 | 79,000 | 132,000 | 168,000 |
| Income tax | 9,000 | 14,000 | 29,000 | 42,000 |
| Net income | 36,000 | 65,000 | 103,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,631,000 | 1,660,000 | 1,698,000 | 1,720,000 |
| Total capital | 1,727,000 | 1,790,000 | 1,836,000 | 1,867,000 |
| Risk-weighted assets | 11,975,000 | 12,947,000 | 14,417,000 | 14,732,000 |
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