Call reports 2003
FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE — 2003
What FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 276,325,000 | 267,378,000 | 267,911,000 | 270,089,000 |
| Total loans | 154,884,000 | 160,336,000 | 161,914,000 | 174,612,000 |
| Allowance for loan losses | 968,000 | 971,000 | 974,000 | 1,024,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 77,102,000 | 76,628,000 | 74,911,000 | 69,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,354,000 | 228,207,000 | 227,810,000 | 229,943,000 |
| Interest-bearing deposits | 224,819,000 | 215,354,000 | 215,119,000 | 217,227,000 |
| Noninterest-bearing deposits | 12,535,000 | 12,853,000 | 12,691,000 | 12,716,000 |
| Equity capital | 37,926,000 | 38,389,000 | 39,138,000 | 39,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,391,000 | 6,690,000 | 9,774,000 | 12,965,000 |
| Interest expense | 670,000 | 1,293,000 | 1,808,000 | 2,306,000 |
| Net interest income | 2,721,000 | 5,397,000 | 7,966,000 | 10,659,000 |
| Noninterest income | 663,000 | 1,286,000 | 1,949,000 | 2,640,000 |
| Noninterest expense | 2,126,000 | 4,280,000 | 6,380,000 | 8,545,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 115,000 |
| Pretax income | 1,255,000 | 2,397,000 | 3,526,000 | 4,639,000 |
| Income tax | 431,000 | 819,000 | 1,199,000 | 1,601,000 |
| Net income | 824,000 | 1,578,000 | 2,327,000 | 3,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,926,000 | 38,389,000 | 39,138,000 | 39,321,000 |
| Total capital | 38,894,000 | 39,360,000 | 40,112,000 | 40,345,000 |
| Risk-weighted assets | 167,910,000 | 172,102,000 | 174,189,000 | 185,025,000 |