Call reports 2009
FIRST GUARANTY BANK — 2009
What FIRST GUARANTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,007,776,000 | 958,271,000 | 934,741,000 | 930,723,000 |
| Total loans | 591,530,000 | 606,634,000 | 595,152,000 | 589,902,000 |
| Allowance for loan losses | 6,444,000 | 6,701,000 | 6,895,000 | 7,919,000 |
| Securities available for sale | 235,686,000 | 252,486,000 | 245,793,000 | 249,337,000 |
| Securities held to maturity | 20,158,000 | 2,792,000 | 2,665,000 | 12,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 912,207,000 | 852,537,000 | 830,927,000 | 805,293,000 |
| Interest-bearing deposits | 793,814,000 | 738,114,000 | 703,760,000 | 667,928,000 |
| Noninterest-bearing deposits | 118,393,000 | 114,423,000 | 127,167,000 | 137,365,000 |
| Equity capital | 70,205,000 | 71,957,000 | 88,541,000 | 89,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,051,000 | 22,568,000 | 34,850,000 | 47,530,000 |
| Interest expense | 4,129,000 | 8,099,000 | 11,713,000 | 14,730,000 |
| Net interest income | 6,922,000 | 14,469,000 | 23,137,000 | 32,800,000 |
| Noninterest income | 1,142,000 | 2,465,000 | 3,754,000 | 5,151,000 |
| Noninterest expense | 5,590,000 | 11,648,000 | 17,463,000 | 23,090,000 |
| Provision for loan losses | 648,000 | 1,349,000 | 2,091,000 | 4,155,000 |
| Pretax income | 1,826,000 | 3,947,000 | 7,137,000 | 11,933,000 |
| Income tax | 634,000 | 1,367,000 | 2,478,000 | 3,940,000 |
| Net income | 1,192,000 | 2,580,000 | 4,659,000 | 7,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,253,000 | 70,629,000 | 82,087,000 | 83,430,000 |
| Total capital | 77,697,000 | 77,330,000 | 89,013,000 | 91,349,000 |
| Risk-weighted assets | 746,459,000 | 787,252,000 | 767,375,000 | 746,179,000 |