Call reports 2005
FIRST GUARANTY BANK — 2005
What FIRST GUARANTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 611,156,000 | 604,816,000 | 671,134,000 | 713,760,000 |
| Total loans | 479,058,000 | 478,456,000 | 480,203,000 | 491,582,000 |
| Allowance for loan losses | 5,654,000 | 5,972,000 | 6,451,000 | 7,597,000 |
| Securities available for sale | 49,685,000 | 46,473,000 | 91,125,000 | 107,585,000 |
| Securities held to maturity | 38,373,000 | 38,127,000 | 37,830,000 | 67,615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 493,190,000 | 493,052,000 | 571,871,000 | 632,908,000 |
| Interest-bearing deposits | 403,945,000 | 399,799,000 | 458,490,000 | 503,081,000 |
| Noninterest-bearing deposits | 89,244,000 | 93,253,000 | 113,382,000 | 129,827,000 |
| Equity capital | 52,812,000 | 54,718,000 | 55,487,000 | 53,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,588,000 | 19,371,000 | 29,312,000 | 40,329,000 |
| Interest expense | 2,685,000 | 5,481,000 | 8,604,000 | 12,367,000 |
| Net interest income | 6,903,000 | 13,890,000 | 20,708,000 | 27,962,000 |
| Noninterest income | 996,000 | 1,958,000 | 3,171,000 | 3,995,000 |
| Noninterest expense | 4,142,000 | 8,049,000 | 12,212,000 | 17,173,000 |
| Provision for loan losses | 369,000 | 835,000 | 1,841,000 | 5,621,000 |
| Pretax income | 3,392,000 | 6,971,000 | 9,833,000 | 9,170,000 |
| Income tax | 1,162,000 | 2,390,000 | 3,367,000 | 3,146,000 |
| Net income | 2,230,000 | 4,581,000 | 6,466,000 | 6,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,769,000 | 53,486,000 | 54,737,000 | 53,615,000 |
| Total capital | 57,426,000 | 59,465,000 | 61,192,000 | 61,212,000 |
| Risk-weighted assets | 489,097,000 | 490,901,000 | 584,422,000 | 608,936,000 |