Call reports 2007
FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE — 2007
What FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 454,278,000 | 483,541,000 | 490,436,000 | 497,754,000 |
| Total loans | 390,905,000 | 423,937,000 | 436,891,000 | 444,259,000 |
| Allowance for loan losses | 2,906,000 | 3,216,000 | 3,342,000 | 3,448,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,608,000 | 18,611,000 | 17,125,000 | 16,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,465,000 | 386,091,000 | 411,613,000 | 409,001,000 |
| Interest-bearing deposits | 355,833,000 | 368,940,000 | 393,834,000 | 391,922,000 |
| Noninterest-bearing deposits | 17,632,000 | 17,151,000 | 17,779,000 | 17,079,000 |
| Equity capital | 48,753,000 | 49,339,000 | 50,218,000 | 50,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,559,000 | 15,834,000 | 24,281,000 | 32,921,000 |
| Interest expense | 2,990,000 | 6,332,000 | 10,117,000 | 13,977,000 |
| Net interest income | 4,569,000 | 9,502,000 | 14,164,000 | 18,944,000 |
| Noninterest income | 808,000 | 1,701,000 | 2,598,000 | 3,524,000 |
| Noninterest expense | 3,676,000 | 7,351,000 | 11,319,000 | 15,182,000 |
| Provision for loan losses | 111,000 | 451,000 | 577,000 | 690,000 |
| Pretax income | 1,590,000 | 3,401,000 | 4,866,000 | 6,596,000 |
| Income tax | 625,000 | 1,395,000 | 1,981,000 | 2,628,000 |
| Net income | 965,000 | 2,006,000 | 2,885,000 | 3,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,753,000 | 49,339,000 | 50,218,000 | 50,709,000 |
| Total capital | 51,659,000 | 52,555,000 | 53,560,000 | 54,157,000 |
| Risk-weighted assets | 387,221,000 | 419,823,000 | 431,140,000 | 439,724,000 |