Call reports 2004
FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE — 2004
What FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 281,786,000 | 277,751,000 | 291,075,000 | 282,452,000 |
| Total loans | 182,482,000 | 196,295,000 | 210,468,000 | 215,626,000 |
| Allowance for loan losses | 1,045,000 | 1,117,000 | 1,257,000 | 1,297,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 55,465,000 | 44,831,000 | 37,533,000 | 26,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,748,000 | 236,386,000 | 248,710,000 | 240,132,000 |
| Interest-bearing deposits | 227,207,000 | 223,173,000 | 237,736,000 | 226,361,000 |
| Noninterest-bearing deposits | 13,541,000 | 13,213,000 | 10,974,000 | 13,771,000 |
| Equity capital | 40,089,000 | 40,674,000 | 41,403,000 | 41,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,234,000 | 6,705,000 | 10,192,000 | 14,012,000 |
| Interest expense | 482,000 | 955,000 | 1,465,000 | 2,005,000 |
| Net interest income | 2,752,000 | 5,750,000 | 8,727,000 | 12,007,000 |
| Noninterest income | 698,000 | 1,443,000 | 2,184,000 | 2,884,000 |
| Noninterest expense | 2,240,000 | 4,546,000 | 6,945,000 | 9,336,000 |
| Provision for loan losses | 20,000 | 90,000 | 230,000 | 270,000 |
| Pretax income | 1,190,000 | 2,557,000 | 3,736,000 | 5,285,000 |
| Income tax | 420,000 | 911,000 | 1,362,000 | 1,920,000 |
| Net income | 770,000 | 1,646,000 | 2,374,000 | 3,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,089,000 | 40,674,000 | 41,403,000 | 41,865,000 |
| Total capital | 41,134,000 | 41,791,000 | 42,660,000 | 43,162,000 |
| Risk-weighted assets | 194,493,000 | 203,356,000 | 216,976,000 | 219,043,000 |