Call reports 2002
FIRST GUARANTY BANK — 2002
What FIRST GUARANTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 429,503,000 | 457,123,000 | 444,473,000 | 435,023,000 |
| Total loans | 337,367,000 | 343,176,000 | 354,666,000 | 354,065,000 |
| Allowance for loan losses | 3,985,000 | 4,115,000 | 4,266,000 | 4,378,000 |
| Securities available for sale | 58,725,000 | 78,574,000 | 55,954,000 | 34,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,605,000 | 378,576,000 | 362,043,000 | 361,418,000 |
| Interest-bearing deposits | 290,386,000 | 310,820,000 | 294,495,000 | 292,722,000 |
| Noninterest-bearing deposits | 67,219,000 | 67,756,000 | 67,548,000 | 68,696,000 |
| Equity capital | 39,267,000 | 39,849,000 | 40,223,000 | 40,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,366,000 | 14,975,000 | 22,524,000 | 29,939,000 |
| Interest expense | 2,555,000 | 4,987,000 | 7,506,000 | 9,630,000 |
| Net interest income | 4,811,000 | 9,988,000 | 15,018,000 | 20,309,000 |
| Noninterest income | 861,000 | 1,750,000 | 2,790,000 | 3,689,000 |
| Noninterest expense | 4,361,000 | 8,730,000 | 13,102,000 | 17,272,000 |
| Provision for loan losses | 390,000 | 780,000 | 1,170,000 | 1,560,000 |
| Pretax income | 921,000 | 2,228,000 | 3,736,000 | 5,366,000 |
| Income tax | 313,000 | 756,000 | 1,273,000 | 1,827,000 |
| Net income | 608,000 | 1,472,000 | 2,463,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,091,000 | 36,695,000 | 37,386,000 | 38,161,000 |
| Total capital | 40,076,000 | 40,810,000 | 41,652,000 | 42,539,000 |
| Risk-weighted assets | 349,981,000 | 351,145,000 | 358,710,000 | 381,799,000 |