FIRST GUARANTY BANCSHARES, INC. (FGBI)

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FIRST GUARANTY BANCSHARES, INC.

FGBI • CIK 0001408534

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases Held-in-portfolio	$167,140	$190,382	$158,607	$140,994
Interest Income, Deposits with Financial Institutions	$6,268	$17,399	$29,643	$30,843
Interest and Dividend Income, Securities, Operating	$9,601	$13,925	$25,029	$36,214
Interest Income (Expense), Net	$84,705	$88,438	$86,942	$85,446
Interest and Dividend Income, Operating	$183,009	$221,706	$213,279	$208,051
Provision for Loan, Lease, and Other Losses	$3,714	$20,034	$81,729	$55,821
Interest Income (Expense), after Provision for Loan Loss	$80,991	$68,404	$5,213	$29,625
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$11,896	$16,006	$-68,560	$-43,204
Income Tax Expense (Benefit)	$2,677	$3,558	$-12,538	$-6,825
Net Income (Loss) Attributable to Parent	$9,219	$12,448	$-56,022	$-36,379
Dividends, Preferred Stock	$2,329	$2,329	$2,328	$2,328
Net Income (Loss) Available to Common Stockholders, Basic	$6,890	$10,119	$-58,350	$-38,707
Weighted Average Number of Shares Outstanding, Basic	11,165,303	12,501,035	13,985,460	17,338,069
Interest Expense, Demand Deposit Accounts	$60,243	$65,331	$49,590	$42,529
Interest Expense, Savings Deposits	$3,554	$5,173	$4,629	$3,940
Interest Expense, Time Deposits	$23,967	$49,166	$61,287	$66,195
Interest Expense, Borrowings	$10,540	$13,598	$10,831	$9,941
InterestExpenseOperating	—	$133,268	$126,337	$122,605
Gain (Loss) on Sales of Loans, Net	$12	$1,481	$0	$0
Gain (Loss) on Disposition of Assets	—	$13,306	$-524	$-484
Noninterest Income, Other Operating Income	$3,922	$3,631	$2,752	$2,725
Noninterest Income	$10,577	$24,739	$8,476	$8,073
Labor and Related Expense	$40,422	$38,304	$30,470	$28,567
Occupancy, Net	$9,027	$10,187	$10,282	$9,862
Goodwill, Impairment Loss	—	—	$12,900	$12,900
Other Noninterest Expense	$30,223	$28,646	$28,597	$29,573
Noninterest Expense	$79,672	$77,137	$82,249	$80,902

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$286,114	$563,778	$845,150	$781,030
Federal Funds Sold	$341	$430	$551	$546
Cash, Cash Equivalents, and Federal Funds Sold	$286,455	$564,208	$845,701	$781,576
Federal Home Loan Bank Stock	$13,390	$9,706	$10,206	$10,433
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$2,748,708	$2,693,780	$2,069,802	$1,765,210
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$30,926	$34,811	$40,755	$34,299
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$2,717,782	$2,658,969	$2,029,047	$1,730,911
Property, Plant and Equipment, Net	$69,792	$67,789	$59,585	$72,656
Goodwill	$12,900	$12,900	$0	$0
Intangible Assets, Net (Excluding Goodwill)	$4,298	$3,474	$2,638	$2,218
Other Real Estate and Foreclosed Assets	$1,250	$319	$35,084	$29,721
Interest Receivable	$15,713	$14,850	$12,455	$11,875
Other Assets	$27,069	$37,544	$84,088	$41,409
Assets	$3,552,772	$3,972,728	$4,078,321	$3,895,010
Securities Sold under Agreements to Repurchase	$6,297	$7,009	$7,119	$7,227
Interest Payable	$11,807	$20,437	$17,637	$17,492
Long-term Federal Home Loan Bank Advances	$155,000	$135,000	$135,000	$135,000
Secured Debt	$39,099	$15,169	$14,203	$14,214
Junior Subordinated Notes	$15,000	$44,745	$29,805	$29,835
Other Liabilities	$6,844	$19,059	$15,462	$6,840
Liabilities	$3,303,141	$3,717,679	$3,852,103	$3,667,660
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$83,485	$281,097	$676,592	$890,758
DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss	$320,638	$321,622	$322,675	$323,203
Marketable Securities	$404,123	$602,719	$999,267	$1,213,961
Noninterest-bearing Deposit Liabilities	$442,755	$404,056	$414,604	$415,296
Interest-bearing Deposit Liabilities	$1,526,628	$1,387,068	$1,165,061	$1,092,746
Deposits, Savings Deposits	$218,986	$234,444	$213,936	$224,436
Time Deposits	$820,725	$1,450,692	$1,839,276	$1,724,574
Deposits	$3,009,094	$3,476,260	$3,632,877	$3,457,052
Common Stock, Value, Issued	$12,475	$12,505	$15,793	$16,539
Additional Paid in Capital, Common Stock	$149,085	$149,389	$170,621	$176,492
Retained Earnings (Accumulated Deficit)	$67,972	$72,965	$14,055	$18,742
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-12,959	$-12,868	$-7,309	$-17,481
Stockholders' Equity Attributable to Parent	$249,631	$255,049	$226,218	$227,350
Preferred Stock, Value, Issued	$33,058	$33,058	$33,058	$33,058
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss	—	—	$674,139	$901,862
DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest	$80	$150	$150	$150
Debt Securities, Held-to-maturity, Fair Value	$253,584	$251,458	$268,094	$265,294
Preferred Stock, Shares Authorized	100,000	100,000	100,000	100,000
Preferred Stock, Shares Issued	34,500	34,500	34,500	34,500
Common Stock, Shares Authorized	100,600,000	100,600,000	100,600,000	100,600,000
Common Stock, Shares, Issued	12,475,424	12,504,717	15,793,433	16,539,094
Short-term Bank Loans and Notes Payable	$10,000	$0	—	$0

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$9,219	$12,448	$-56,022	$-36,379
Net Cash Provided by (Used in) Operating Activities	$21,714	$33,729	$-8,280	$54,532
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$203,236	$277,753	$281,493	$66,706
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$286,455	$564,208	$845,701	$961,039
Provision for Loan, Lease, and Other Losses	$3,714	$20,034	$81,729	$55,821
Increase (Decrease) in Deposits with Other Federal Home Loan Banks	—	$250	$0	$0
Goodwill, Impairment Loss	—	—	$12,900	$12,900
Proceeds from Sale and Maturity of Debt Securities, Available-for-sale	$51,406	$169,497	$201,380	$194,089
Depreciation, Amortization and Accretion, Net	$4,026	$4,432	$4,290	$4,098
Payments to Acquire Debt Securities, Available-for-sale	$2,626	$365,491	$587,765	$694,403
Operating Lease, Right-of-Use Asset, Amortization Expense	—	—	$509	$11,286
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$289	$0	$970	$970
Accretion (Amortization) of Discounts and Premiums, Investments	$-987	$2,556	$3,126	$3,128
Payments to Acquire Held-to-maturity Securities	—	—	$970	$970
Gain (Loss) on Disposition of Assets for Financial Service Operations	$35	$14,535	$-623	$-583
Proceeds from Sale of Federal Home Loan Bank Stock	$2,425	$8,724	$0	$0
Gains (Losses) on Sales of Other Real Estate	$-150	$-397	$-433	$-536
Payments to Acquire Federal Home Loan Bank Stock	$8,929	$4,265	$0	$0
Paid-in-Kind Interest	—	—	$2,474	$3,383
Payments for (Proceeds from) Loans Receivable	—	$-36,826	$-516,698	$-539,512
Payments to Acquire Property, Plant, and Equipment	$14,855	$3,044	$1,696	$16,034
IncreaseDecreaseInOperatingLeaseLiability	—	—	$-474	$-11,339
Proceeds from Sale of Property, Plant, and Equipment	$324	$14,981	$1,138	$1,472
Increase (Decrease) in Other Operating Assets and Liabilities, Net	$-4,011	$-14,284	$51,116	$-17,249
Proceeds from Sale of Other Real Estate	$101	$953	$142	$7,185
Net Cash Provided by (Used in) Investing Activities	$-206,088	$-142,069	$129,897	$31,821
Increase (Decrease) in Deposits	$285,302	$467,166	$156,617	$-24,286
Proceeds from (Repayments of) Short-term Debt	$-80,145	$-59,288	$110	$110
Proceeds from Issuance of Long-term Debt	$195,097	$29,700	$0	$0
Repayments of Long-term Debt	$22,946	$44,030	$1,008	$0
Proceeds from Issuance of Common Stock	—	—	$7,046	$7,487
Payments of Ordinary Dividends, Preferred Stock and Preference Stock	$2,328	$2,328	$2,329	$2,329
Payments of Ordinary Dividends, Common Stock	$7,370	$5,127	$560	$629
Net Cash Provided by (Used in) Financing Activities	$387,610	$386,093	$159,876	$-19,647
Real Estate Owned, Transfer to Real Estate Owned	$1,388	$423	$4,352	$4,352
Stock Issued	$750	$334	$0	$0
Debt Conversion, Converted Instrument, Amount	—	—	$15,000	$0
Interest Paid, Excluding Capitalized Interest, Operating Activities	$90,786	$124,638	$129,137	$124,611
IncomeTaxPaidFederalAfterRefundReceived	—	—	$4,100	$0
IncomeTaxPaidStateAndLocalAfterRefundReceived	—	—	$50	$50

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Import this data to Google Sheets with:

=jivedata("FGBI","financials")

Full statements spill as a table. For one cell: =jivedata("FGBI","Revenue") or =jivedata("FGBI","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.