Call reports 2013
FLOWERS NATIONAL BANK — 2013
What FLOWERS NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 38,966,000 | 38,133,000 | 36,952,000 | 37,764,000 |
| Total loans | 15,052,000 | 14,973,000 | 15,230,000 | 14,243,000 |
| Allowance for loan losses | 178,000 | 179,000 | 179,000 | 179,000 |
| Securities available for sale | 18,056,000 | 17,879,000 | 17,467,000 | 17,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,486,000 | 32,884,000 | 31,640,000 | 32,626,000 |
| Interest-bearing deposits | 30,562,000 | 30,034,000 | 28,897,000 | 29,957,000 |
| Noninterest-bearing deposits | 2,924,000 | 2,850,000 | 2,743,000 | 2,669,000 |
| Equity capital | 5,330,000 | 5,128,000 | 5,176,000 | 5,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 428,000 | 849,000 | 1,313,000 | 1,734,000 |
| Interest expense | 68,000 | 132,000 | 193,000 | 253,000 |
| Net interest income | 360,000 | 717,000 | 1,120,000 | 1,481,000 |
| Noninterest income | 19,000 | 83,000 | 139,000 | 82,000 |
| Noninterest expense | 353,000 | 702,000 | 1,037,000 | 1,384,000 |
| Provision for loan losses | 219,000 | 219,000 | 219,000 | 351,000 |
| Pretax income | -193,000 | -121,000 | 3,000 | -97,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -193,000 | -121,000 | 3,000 | -97,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,721,000 | 3,796,000 | 3,922,000 | 3,825,000 |
| Total capital | 3,899,000 | 3,975,000 | 4,101,000 | 4,004,000 |
| Risk-weighted assets | 20,302,000 | 20,003,000 | 20,400,000 | 20,022,000 |