Call reports 2012
FLOWERS NATIONAL BANK — 2012
What FLOWERS NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 35,804,000 | 37,266,000 | 38,584,000 | 39,550,000 |
| Total loans | 14,327,000 | 14,832,000 | 15,203,000 | 14,396,000 |
| Allowance for loan losses | 160,000 | 166,000 | 171,000 | 177,000 |
| Securities available for sale | 15,000,000 | 15,003,000 | 15,229,000 | 16,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,451,000 | 31,972,000 | 32,943,000 | 33,945,000 |
| Interest-bearing deposits | 28,416,000 | 29,781,000 | 30,614,000 | 31,363,000 |
| Noninterest-bearing deposits | 2,035,000 | 2,191,000 | 2,329,000 | 2,582,000 |
| Equity capital | 5,138,000 | 5,121,000 | 5,452,000 | 5,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 909,000 | 1,354,000 | 1,739,000 |
| Interest expense | 81,000 | 161,000 | 244,000 | 324,000 |
| Net interest income | 385,000 | 748,000 | 1,110,000 | 1,415,000 |
| Noninterest income | 35,000 | 54,000 | 79,000 | 148,000 |
| Noninterest expense | 371,000 | 726,000 | 1,085,000 | 1,420,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 43,000 | 64,000 | 86,000 | 119,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 43,000 | 64,000 | 86,000 | 119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,827,000 | 3,852,000 | 3,878,000 | 3,912,000 |
| Total capital | 3,990,000 | 4,021,000 | 4,052,000 | 4,089,000 |
| Risk-weighted assets | 21,522,000 | 21,434,000 | 22,375,000 | 22,930,000 |