Call reports 2005
FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE — 2005
What FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 290,335,000 | 302,688,000 | 306,328,000 | 334,670,000 |
| Total loans | 223,459,000 | 235,566,000 | 254,931,000 | 284,544,000 |
| Allowance for loan losses | 1,388,000 | 1,475,000 | 1,595,000 | 1,967,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,516,000 | 22,956,000 | 22,932,000 | 22,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,533,000 | 258,508,000 | 261,035,000 | 282,894,000 |
| Interest-bearing deposits | 232,906,000 | 243,752,000 | 243,319,000 | 266,439,000 |
| Noninterest-bearing deposits | 13,627,000 | 14,756,000 | 17,716,000 | 16,455,000 |
| Equity capital | 42,722,000 | 43,327,000 | 44,342,000 | 44,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,737,000 | 7,913,000 | 12,473,000 | 17,647,000 |
| Interest expense | 579,000 | 1,245,000 | 1,990,000 | 2,908,000 |
| Net interest income | 3,158,000 | 6,668,000 | 10,483,000 | 14,739,000 |
| Noninterest income | 686,000 | 1,423,000 | 2,141,000 | 2,892,000 |
| Noninterest expense | 2,371,000 | 4,963,000 | 7,745,000 | 10,716,000 |
| Provision for loan losses | 90,000 | 180,000 | 300,000 | 692,000 |
| Pretax income | 1,383,000 | 2,948,000 | 4,579,000 | 6,223,000 |
| Income tax | 526,000 | 1,122,000 | 1,738,000 | 2,484,000 |
| Net income | 857,000 | 1,826,000 | 2,841,000 | 3,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,722,000 | 43,327,000 | 44,342,000 | 44,658,000 |
| Total capital | 44,110,000 | 44,802,000 | 45,937,000 | 46,625,000 |
| Risk-weighted assets | 227,104,000 | 238,791,000 | 253,681,000 | 281,643,000 |