Call reports 2015
FIRST GUARANTY BANK — 2015
What FIRST GUARANTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,544,801,000 | 1,506,199,000 | 1,425,316,000 | 1,456,454,000 |
| Total loans | 797,106,000 | 810,376,000 | 856,734,000 | 841,583,000 |
| Allowance for loan losses | 9,414,000 | 9,505,000 | 9,813,000 | 9,415,000 |
| Securities available for sale | 479,270,000 | 460,631,000 | 301,249,000 | 376,288,000 |
| Securities held to maturity | 187,091,000 | 185,161,000 | 216,424,000 | 169,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,396,825,000 | 1,349,869,000 | 1,278,476,000 | 1,312,732,000 |
| Interest-bearing deposits | 1,181,813,000 | 1,139,556,000 | 1,063,634,000 | 1,082,667,000 |
| Noninterest-bearing deposits | 215,012,000 | 210,312,000 | 214,843,000 | 230,065,000 |
| Equity capital | 141,761,000 | 139,847,000 | 141,632,000 | 140,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 14,030,000 | 28,037,000 | 41,894,000 | 56,012,000 |
| Interest expense | 2,208,000 | 4,363,000 | 6,450,000 | 8,446,000 |
| Net interest income | 11,822,000 | 23,674,000 | 35,444,000 | 47,566,000 |
| Noninterest income | 1,339,000 | 2,705,000 | 4,101,000 | 5,248,000 |
| Noninterest expense | 7,702,000 | 15,059,000 | 22,486,000 | 29,739,000 |
| Provision for loan losses | 610,000 | 1,010,000 | 2,878,000 | 3,864,000 |
| Pretax income | 5,165,000 | 10,783,000 | 14,701,000 | 19,684,000 |
| Income tax | 1,735,000 | 3,614,000 | 4,899,000 | 6,357,000 |
| Net income | 3,430,000 | 7,169,000 | 9,802,000 | 13,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,336,000 | 137,302,000 | 137,923,000 | 138,901,000 |
| Total capital | 145,750,000 | 146,807,000 | 147,736,000 | 148,316,000 |
| Risk-weighted assets | 1,052,991,000 | 1,085,904,000 | 1,082,433,000 | 1,070,401,000 |