Call reports 2006
FIRST GUARANTY BANK — 2006
What FIRST GUARANTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 714,320,000 | 736,732,000 | 740,465,000 | 714,487,000 |
| Total loans | 494,312,000 | 508,163,000 | 512,130,000 | 508,243,000 |
| Allowance for loan losses | 8,360,000 | 8,462,000 | 6,533,000 | 6,675,000 |
| Securities available for sale | 110,644,000 | 115,628,000 | 112,281,000 | 111,352,000 |
| Securities held to maturity | 67,454,000 | 67,289,000 | 67,133,000 | 46,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,785,000 | 619,295,000 | 639,635,000 | 626,293,000 |
| Interest-bearing deposits | 479,084,000 | 484,499,000 | 509,178,000 | 503,753,000 |
| Noninterest-bearing deposits | 135,702,000 | 134,796,000 | 130,456,000 | 122,540,000 |
| Equity capital | 54,577,000 | 54,861,000 | 57,566,000 | 59,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,785,000 | 24,157,000 | 37,618,000 | 50,937,000 |
| Interest expense | 4,176,000 | 8,774,000 | 13,936,000 | 19,206,000 |
| Net interest income | 7,609,000 | 15,383,000 | 23,682,000 | 31,731,000 |
| Noninterest income | 1,080,000 | 2,283,000 | 3,232,000 | 4,333,000 |
| Noninterest expense | 4,500,000 | 8,655,000 | 13,656,000 | 18,105,000 |
| Provision for loan losses | 830,000 | 2,588,000 | 3,619,000 | 4,419,000 |
| Pretax income | 3,359,000 | 6,423,000 | 9,469,000 | 13,306,000 |
| Income tax | 1,150,000 | 2,198,000 | 3,241,000 | 4,504,000 |
| Net income | 2,209,000 | 4,225,000 | 6,228,000 | 8,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,154,000 | 56,510,000 | 57,825,000 | 59,617,000 |
| Total capital | 62,625,000 | 64,236,000 | 64,358,000 | 66,292,000 |
| Risk-weighted assets | 596,767,000 | 617,323,000 | 600,725,000 | 600,913,000 |