Call reports 2007
FIRST GUARANTY BANK — 2007
What FIRST GUARANTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 728,587,000 | 732,911,000 | 821,810,000 | 806,709,000 |
| Total loans | 505,216,000 | 527,969,000 | 623,125,000 | 579,254,000 |
| Allowance for loan losses | 6,736,000 | 6,974,000 | 6,878,000 | 6,193,000 |
| Securities available for sale | 122,761,000 | 116,151,000 | 101,627,000 | 105,355,000 |
| Securities held to maturity | 46,856,000 | 46,719,000 | 46,597,000 | 36,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 644,296,000 | 642,282,000 | 704,366,000 | 723,143,000 |
| Interest-bearing deposits | 601,381,000 | 598,417,000 | 662,584,000 | 602,354,000 |
| Noninterest-bearing deposits | 42,915,000 | 43,865,000 | 41,781,000 | 120,789,000 |
| Equity capital | 61,288,000 | 62,590,000 | 72,842,000 | 69,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,060,000 | 26,704,000 | 41,601,000 | 55,905,000 |
| Interest expense | 5,090,000 | 10,085,000 | 15,708,000 | 21,165,000 |
| Net interest income | 7,970,000 | 16,619,000 | 25,893,000 | 34,740,000 |
| Noninterest income | 844,000 | 1,831,000 | 2,791,000 | 4,346,000 |
| Noninterest expense | 4,764,000 | 9,659,000 | 15,029,000 | 20,284,000 |
| Provision for loan losses | 187,000 | 608,000 | 679,000 | 1,918,000 |
| Pretax income | 3,797,000 | 7,955,000 | 12,568,000 | 16,406,000 |
| Income tax | 1,308,000 | 2,740,000 | 4,329,000 | 5,686,000 |
| Net income | 2,489,000 | 5,215,000 | 8,239,000 | 10,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,328,000 | 63,188,000 | 68,448,000 | 64,813,000 |
| Total capital | 68,064,000 | 70,162,000 | 75,326,000 | 71,006,000 |
| Risk-weighted assets | 599,761,000 | 650,712,000 | 662,655,000 | 644,470,000 |