Call reports 2023
FIRST GUARANTY BANK — 2023
What FIRST GUARANTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,235,829,000 | 3,233,615,000 | 3,415,752,000 | 3,549,811,000 |
| Total loans | 2,574,242,000 | 2,590,666,000 | 2,699,393,000 | 2,748,708,000 |
| Allowance for loan losses | 31,468,000 | 31,861,000 | 31,936,000 | 30,926,000 |
| Securities available for sale | 81,060,000 | 80,153,000 | 79,857,000 | 83,485,000 |
| Securities held to maturity | 320,348,000 | 320,622,000 | 320,704,000 | 320,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,864,128,000 | 2,769,785,000 | 2,817,529,000 | 3,018,049,000 |
| Interest-bearing deposits | 2,343,561,000 | 2,301,247,000 | 2,356,618,000 | 2,566,340,000 |
| Noninterest-bearing deposits | 520,567,000 | 468,538,000 | 460,911,000 | 451,709,000 |
| Equity capital | 282,402,000 | 289,797,000 | 290,374,000 | 302,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 41,257,000 | 84,966,000 | 132,543,000 | 182,803,000 |
| Interest expense | 17,924,000 | 39,661,000 | 65,686,000 | 93,772,000 |
| Net interest income | 23,333,000 | 45,305,000 | 66,857,000 | 89,031,000 |
| Noninterest income | 2,512,000 | 5,235,000 | 7,457,000 | 9,990,000 |
| Noninterest expense | 19,090,000 | 38,025,000 | 57,417,000 | 76,844,000 |
| Provision for loan losses | 314,000 | 772,000 | 1,178,000 | 3,683,000 |
| Pretax income | 6,448,000 | 11,590,000 | 15,394,000 | 18,469,000 |
| Income tax | 1,335,000 | 2,458,000 | 3,290,000 | 3,951,000 |
| Net income | 5,113,000 | 9,132,000 | 12,104,000 | 14,518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 286,061,000 | 293,714,000 | 293,860,000 | 304,553,000 |
| Total capital | 313,104,000 | 321,240,000 | 321,541,000 | 330,944,000 |
| Risk-weighted assets | 2,850,907,000 | 2,873,436,000 | 3,000,228,000 | 2,954,016,000 |