Call reports 2025
FIRST GUARANTY BANK — 2025
What FIRST GUARANTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,826,778,000 | 3,967,352,000 | 3,794,968,000 | 4,075,579,000 |
| Total loans | 2,512,788,000 | 2,410,505,000 | 2,279,741,000 | 2,069,802,000 |
| Allowance for loan losses | 43,022,000 | 58,871,000 | 85,713,000 | 40,755,000 |
| Securities available for sale | 273,027,000 | 397,573,000 | 374,335,000 | 676,592,000 |
| Securities held to maturity | 322,033,000 | 322,299,000 | 322,563,000 | 322,825,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,341,343,000 | 3,484,753,000 | 3,358,208,000 | 3,636,734,000 |
| Interest-bearing deposits | 2,913,848,000 | 3,039,072,000 | 2,957,992,000 | 3,218,273,000 |
| Noninterest-bearing deposits | 427,495,000 | 445,681,000 | 400,216,000 | 418,461,000 |
| Equity capital | 307,091,000 | 301,938,000 | 259,570,000 | 263,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 54,441,000 | 108,688,000 | 162,160,000 | 213,107,000 |
| Interest expense | 30,943,000 | 61,769,000 | 92,118,000 | 121,972,000 |
| Net interest income | 23,498,000 | 46,919,000 | 70,042,000 | 91,135,000 |
| Noninterest income | 2,106,000 | 4,198,000 | 5,880,000 | 7,576,000 |
| Noninterest expense | 17,771,000 | 34,665,000 | 64,565,000 | 80,746,000 |
| Provision for loan losses | 14,848,000 | 31,669,000 | 79,601,000 | 82,239,000 |
| Pretax income | -6,708,000 | -14,699,000 | -67,722,000 | -63,750,000 |
| Income tax | -1,553,000 | -3,420,000 | -12,226,000 | -11,510,000 |
| Net income | -5,155,000 | -11,279,000 | -55,496,000 | -52,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 304,459,000 | 298,509,000 | 267,365,000 | 270,796,000 |
| Total capital | 337,581,000 | 330,189,000 | 297,509,000 | 298,443,000 |
| Risk-weighted assets | 2,649,770,000 | 2,534,361,000 | 2,411,501,000 | 2,213,176,000 |