Call reports 2015
FLOWERS NATIONAL BANK — 2015
What FLOWERS NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 42,389,000 | 41,733,000 | 39,948,000 | 39,638,000 |
| Total loans | 16,050,000 | 15,785,000 | 15,696,000 | 15,383,000 |
| Allowance for loan losses | 194,000 | 195,000 | 196,000 | 215,000 |
| Securities available for sale | 20,706,000 | 20,435,000 | 19,058,000 | 17,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,691,000 | 36,093,000 | 34,136,000 | 33,812,000 |
| Interest-bearing deposits | 33,352,000 | 33,128,000 | 31,314,000 | 30,811,000 |
| Noninterest-bearing deposits | 3,339,000 | 2,965,000 | 2,822,000 | 3,001,000 |
| Equity capital | 5,604,000 | 5,550,000 | 5,713,000 | 5,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 842,000 | 1,222,000 | 1,609,000 |
| Interest expense | 61,000 | 122,000 | 182,000 | 239,000 |
| Net interest income | 340,000 | 720,000 | 1,040,000 | 1,370,000 |
| Noninterest income | 21,000 | 41,000 | 61,000 | 77,000 |
| Noninterest expense | 300,000 | 573,000 | 850,000 | 1,146,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 31,000 |
| Pretax income | 88,000 | 226,000 | 302,000 | 335,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 226,000 | 302,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,054,000 | 4,193,000 | 4,268,000 | 4,301,000 |
| Total capital | 4,248,000 | 4,388,000 | 4,464,000 | 4,516,000 |
| Risk-weighted assets | 23,081,000 | 23,010,000 | 22,703,000 | 21,871,000 |