Call reports 2008
FIRST GUARANTY BANK — 2008
What FIRST GUARANTY BANK 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 | 55,189,000 | 58,366,000 | 54,760,000 | 59,362,000 |
| Total loans | 27,745,000 | 28,468,000 | 28,713,000 | 28,053,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,985,000 | 25,066,000 | 17,234,000 | 26,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,199,000 | 47,133,000 | 43,490,000 | 48,289,000 |
| Interest-bearing deposits | 35,098,000 | 35,157,000 | 34,366,000 | 39,179,000 |
| Noninterest-bearing deposits | 9,101,000 | 11,976,000 | 9,124,000 | 9,110,000 |
| Equity capital | 8,984,000 | 9,113,000 | 9,241,000 | 9,376,000 |
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 | 762,000 | 1,446,000 | 2,135,000 | 2,794,000 |
| Interest expense | 242,000 | 453,000 | 651,000 | 834,000 |
| Net interest income | 520,000 | 993,000 | 1,484,000 | 1,960,000 |
| Noninterest income | 58,000 | 112,000 | 164,000 | 223,000 |
| Noninterest expense | 283,000 | 546,000 | 839,000 | 1,127,000 |
| Provision for loan losses | -33,000 | -27,000 | -26,000 | -26,000 |
| Pretax income | 328,000 | 586,000 | 835,000 | 1,082,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 328,000 | 586,000 | 835,000 | 1,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,984,000 | 9,113,000 | 9,241,000 | 9,376,000 |
| Total capital | 9,284,000 | 9,413,000 | 9,541,000 | 9,676,000 |
| Risk-weighted assets | 24,485,000 | 24,996,000 | 25,913,000 | 24,600,000 |
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