Call reports 2002
FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE — 2002
What FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 248,986,000 | 260,681,000 | 253,853,000 | 264,645,000 |
| Total loans | 146,025,000 | 151,113,000 | 150,833,000 | 155,667,000 |
| Allowance for loan losses | 799,000 | 859,000 | 909,000 | 965,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 69,131,000 | 77,416,000 | 76,682,000 | 76,935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,331,000 | 223,667,000 | 215,892,000 | 227,099,000 |
| Interest-bearing deposits | 202,153,000 | 211,118,000 | 205,496,000 | 215,540,000 |
| Noninterest-bearing deposits | 10,178,000 | 12,549,000 | 10,396,000 | 11,559,000 |
| Equity capital | 35,467,000 | 36,013,000 | 36,808,000 | 37,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,722,000 | 7,351,000 | 10,925,000 | 14,389,000 |
| Interest expense | 1,087,000 | 2,113,000 | 3,029,000 | 3,815,000 |
| Net interest income | 2,635,000 | 5,238,000 | 7,896,000 | 10,574,000 |
| Noninterest income | 633,000 | 1,390,000 | 2,043,000 | 2,699,000 |
| Noninterest expense | 2,095,000 | 4,174,000 | 6,209,000 | 8,223,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 238,000 |
| Pretax income | 1,113,000 | 2,334,000 | 3,550,000 | 4,812,000 |
| Income tax | 384,000 | 768,000 | 1,189,000 | 1,625,000 |
| Net income | 729,000 | 1,566,000 | 2,361,000 | 3,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,467,000 | 36,013,000 | 36,808,000 | 37,106,000 |
| Total capital | 36,266,000 | 36,872,000 | 37,717,000 | 38,071,000 |
| Risk-weighted assets | 155,184,000 | 160,922,000 | 160,253,000 | 165,992,000 |