Call reports 2004
FIRST GUARANTY BANK — 2004
What FIRST GUARANTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 504,907,000 | 530,577,000 | 579,030,000 | 607,154,000 |
| Total loans | 388,236,000 | 408,841,000 | 439,891,000 | 458,742,000 |
| Allowance for loan losses | 5,026,000 | 5,275,000 | 5,545,000 | 5,910,000 |
| Securities available for sale | 35,419,000 | 43,457,000 | 56,291,000 | 67,670,000 |
| Securities held to maturity | 32,488,000 | 40,314,000 | 40,086,000 | 38,856,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,495,000 | 430,295,000 | 443,511,000 | 481,358,000 |
| Interest-bearing deposits | 340,502,000 | 350,925,000 | 361,871,000 | 394,097,000 |
| Noninterest-bearing deposits | 80,993,000 | 79,370,000 | 81,639,000 | 87,260,000 |
| Equity capital | 47,591,000 | 48,197,000 | 50,505,000 | 51,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,630,000 | 15,438,000 | 24,433,000 | 33,835,000 |
| Interest expense | 1,723,000 | 3,572,000 | 5,685,000 | 8,057,000 |
| Net interest income | 5,907,000 | 11,866,000 | 18,748,000 | 25,778,000 |
| Noninterest income | 1,380,000 | 2,608,000 | 3,943,000 | 5,223,000 |
| Noninterest expense | 3,852,000 | 7,579,000 | 11,705,000 | 16,303,000 |
| Provision for loan losses | 248,000 | 605,000 | 1,087,000 | 1,670,000 |
| Pretax income | 3,119,000 | 6,222,000 | 9,835,000 | 12,972,000 |
| Income tax | 1,067,000 | 2,127,000 | 3,366,000 | 4,416,000 |
| Net income | 2,052,000 | 4,095,000 | 6,469,000 | 8,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,306,000 | 46,819,000 | 48,661,000 | 50,155,000 |
| Total capital | 50,340,000 | 52,094,000 | 54,208,000 | 56,070,000 |
| Risk-weighted assets | 406,967,000 | 466,282,000 | 495,671,000 | 528,099,000 |