Call reports 2006
FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE — 2006
What FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 358,472,000 | 370,181,000 | 404,694,000 | 441,814,000 |
| Total loans | 309,581,000 | 319,734,000 | 347,870,000 | 379,521,000 |
| Allowance for loan losses | 2,200,000 | 2,389,000 | 2,578,000 | 2,795,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,223,000 | 14,641,000 | 14,348,000 | 18,403,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,551,000 | 322,868,000 | 356,052,000 | 382,314,000 |
| Interest-bearing deposits | 295,273,000 | 302,839,000 | 339,251,000 | 362,162,000 |
| Noninterest-bearing deposits | 16,278,000 | 20,029,000 | 16,801,000 | 20,152,000 |
| Equity capital | 45,514,000 | 46,305,000 | 47,337,000 | 47,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,341,000 | 11,671,000 | 18,163,000 | 25,677,000 |
| Interest expense | 1,280,000 | 2,908,000 | 5,008,000 | 7,749,000 |
| Net interest income | 4,061,000 | 8,763,000 | 13,155,000 | 17,928,000 |
| Noninterest income | 760,000 | 1,548,000 | 2,337,000 | 3,217,000 |
| Noninterest expense | 3,065,000 | 6,314,000 | 9,592,000 | 13,256,000 |
| Provision for loan losses | 233,000 | 422,000 | 611,000 | 830,000 |
| Pretax income | 1,421,000 | 3,473,000 | 5,187,000 | 6,957,000 |
| Income tax | 594,000 | 1,400,000 | 2,082,000 | 2,809,000 |
| Net income | 827,000 | 2,073,000 | 3,105,000 | 4,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,514,000 | 46,305,000 | 47,337,000 | 47,788,000 |
| Total capital | 47,714,000 | 48,694,000 | 49,915,000 | 50,583,000 |
| Risk-weighted assets | 303,769,000 | 310,702,000 | 338,769,000 | 373,349,000 |