Call reports 2015
FIRST GUARANTY BANK — 2015
What FIRST GUARANTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 54,201,000 | 53,258,000 | 51,775,000 | 52,210,000 |
| Total loans | 25,161,000 | 23,613,000 | 23,235,000 | 23,242,000 |
| Allowance for loan losses | 305,000 | 303,000 | 302,000 | 298,000 |
| Securities available for sale | 2,254,000 | 2,250,000 | 2,250,000 | 2,250,000 |
| Securities held to maturity | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,361,000 | 41,638,000 | 40,230,000 | 40,693,000 |
| Interest-bearing deposits | 33,131,000 | 32,620,000 | 31,092,000 | 31,491,000 |
| Noninterest-bearing deposits | 9,230,000 | 9,018,000 | 9,138,000 | 9,202,000 |
| Equity capital | 10,179,000 | 10,230,000 | 10,176,000 | 10,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 427,000 | 865,000 | 1,267,000 | 1,676,000 |
| Interest expense | 38,000 | 75,000 | 110,000 | 142,000 |
| Net interest income | 389,000 | 790,000 | 1,157,000 | 1,534,000 |
| Noninterest income | 41,000 | 91,000 | 146,000 | 207,000 |
| Noninterest expense | 368,000 | 714,000 | 1,068,000 | 1,422,000 |
| Provision for loan losses | 13,000 | 21,000 | 44,000 | 52,000 |
| Pretax income | 49,000 | 146,000 | 191,000 | 267,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 49,000 | 146,000 | 191,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,179,000 | 10,230,000 | 10,176,000 | 10,206,000 |
| Total capital | 10,454,000 | 10,489,000 | 10,431,000 | 10,460,000 |
| Risk-weighted assets | 21,960,000 | 20,662,000 | 20,356,000 | 20,303,000 |
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