Call reports 2016
FIRST GUARANTY BANK — 2016
What FIRST GUARANTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,465,879,000 | 1,456,543,000 | 1,437,290,000 | 1,497,639,000 |
| Total loans | 854,776,000 | 896,506,000 | 910,745,000 | 948,921,000 |
| Allowance for loan losses | 9,415,000 | 9,857,000 | 10,251,000 | 11,114,000 |
| Securities available for sale | 407,434,000 | 407,744,000 | 382,631,000 | 397,393,000 |
| Securities held to maturity | 149,242,000 | 107,443,000 | 92,396,000 | 101,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,316,373,000 | 1,295,643,000 | 1,273,700,000 | 1,342,269,000 |
| Interest-bearing deposits | 1,078,830,000 | 1,067,080,000 | 1,025,761,000 | 1,095,087,000 |
| Noninterest-bearing deposits | 237,543,000 | 228,563,000 | 247,938,000 | 247,181,000 |
| Equity capital | 144,453,000 | 146,594,000 | 147,104,000 | 141,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 14,422,000 | 29,168,000 | 43,819,000 | 58,517,000 |
| Interest expense | 2,196,000 | 4,348,000 | 6,510,000 | 8,683,000 |
| Net interest income | 12,226,000 | 24,820,000 | 37,309,000 | 49,834,000 |
| Noninterest income | 1,404,000 | 2,721,000 | 3,986,000 | 5,249,000 |
| Noninterest expense | 7,787,000 | 15,685,000 | 23,664,000 | 31,488,000 |
| Provision for loan losses | 843,000 | 1,736,000 | 2,978,000 | 3,705,000 |
| Pretax income | 5,354,000 | 12,705,000 | 18,409,000 | 23,689,000 |
| Income tax | 1,792,000 | 4,294,000 | 6,253,000 | 8,010,000 |
| Net income | 3,562,000 | 8,411,000 | 12,156,000 | 15,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,479,000 | 140,741,000 | 141,726,000 | 142,654,000 |
| Total capital | 148,894,000 | 150,598,000 | 151,977,000 | 153,768,000 |
| Risk-weighted assets | 1,089,984,000 | 1,110,402,000 | 1,110,596,000 | 1,183,964,000 |