Call reports 2005
FLOWERS NATIONAL BANK — 2005
What FLOWERS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,731,000 | 17,918,000 | 17,160,000 | 16,336,000 |
| Total loans | 15,160,000 | 15,007,000 | 14,033,000 | 13,170,000 |
| Allowance for loan losses | 164,000 | 181,000 | 196,000 | 201,000 |
| Securities available for sale | 2,172,000 | 1,831,000 | 1,797,000 | 1,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,707,000 | 14,121,000 | 13,361,000 | 13,253,000 |
| Interest-bearing deposits | 13,482,000 | 13,040,000 | 12,348,000 | 11,658,000 |
| Noninterest-bearing deposits | 1,225,000 | 1,081,000 | 1,013,000 | 1,595,000 |
| Equity capital | 1,663,000 | 1,707,000 | 1,719,000 | 1,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 268,000 | 544,000 | 813,000 | 1,073,000 |
| Interest expense | 89,000 | 185,000 | 277,000 | 371,000 |
| Net interest income | 179,000 | 359,000 | 536,000 | 702,000 |
| Noninterest income | 22,000 | 47,000 | 80,000 | 102,000 |
| Noninterest expense | 147,000 | 290,000 | 474,000 | 677,000 |
| Provision for loan losses | 20,000 | 30,000 | 40,000 | 80,000 |
| Pretax income | 34,000 | 85,000 | 101,000 | 46,000 |
| Income tax | 13,000 | 23,000 | 23,000 | 18,000 |
| Net income | 21,000 | 62,000 | 78,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,666,000 | 1,708,000 | 1,719,000 | 1,673,000 |
| Total capital | 1,830,000 | 1,889,000 | 1,899,000 | 1,848,000 |
| Risk-weighted assets | 15,750,000 | 15,216,000 | 14,411,000 | 14,011,000 |
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