Call reports 2008
FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE — 2008
What FIRST GUARANTY BANK AND TRUST COMPANY OF JACKSONVILLE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 486,129,000 | 492,647,000 | 485,042,000 | 487,092,000 |
| Total loans | 430,934,000 | 423,693,000 | 396,726,000 | 384,036,000 |
| Allowance for loan losses | 6,947,000 | 7,307,000 | 8,600,000 | 11,521,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,106,000 | 16,025,000 | 30,048,000 | 35,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,660,000 | 422,165,000 | 415,258,000 | 420,112,000 |
| Interest-bearing deposits | 398,967,000 | 404,986,000 | 399,826,000 | 405,930,000 |
| Noninterest-bearing deposits | 15,693,000 | 17,179,000 | 15,432,000 | 14,182,000 |
| Equity capital | 49,344,000 | 48,999,000 | 47,383,000 | 45,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,352,000 | 15,707,000 | 22,171,000 | 29,243,000 |
| Interest expense | 3,869,000 | 7,462,000 | 11,082,000 | 14,517,000 |
| Net interest income | 4,483,000 | 8,245,000 | 11,089,000 | 14,726,000 |
| Noninterest income | 902,000 | 1,779,000 | 2,868,000 | 3,734,000 |
| Noninterest expense | 3,814,000 | 7,376,000 | 11,470,000 | 15,104,000 |
| Provision for loan losses | 3,760,000 | 4,660,000 | 7,150,000 | 11,480,000 |
| Pretax income | -2,189,000 | -2,012,000 | -4,663,000 | -8,113,000 |
| Income tax | -824,000 | -757,000 | -1,792,000 | -3,105,000 |
| Net income | -1,365,000 | -1,255,000 | -2,871,000 | -5,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,344,000 | 48,999,000 | 47,383,000 | 45,246,000 |
| Total capital | 54,737,000 | 54,346,000 | 52,433,000 | 50,220,000 |
| Risk-weighted assets | 429,859,000 | 425,779,000 | 400,474,000 | 391,356,000 |