FGBI: the balance sheet

MyFinsight

For the year ending 2025-12-31, FGBI has $4,078,321K in assets. $3,852,103K in debts.

Balance Sheets	2025-12-31
Cash and due from banks	845,150
Federal funds sold	551
Cash and cash equivalents	845,701
Interest-earning time deposits with banks	250
Available for sale, at fair value (cost of 674,139 and 284,321, respectively)	676,592
Held to maturity, at cost and net of allowance for credit losses of 150 (estimated fair value of 268,094 and 251,458, respectively)	322,675
Investment securities	999,267
Federal home loan bank stock, at cost	10,206
Total loans before unearned income	2,075,819
Unearned income	6,017
Loans, net of unearned income	2,069,802
Less allowance for credit losses	40,755
Net loans	2,029,047
Premises and equipment, net	59,585
Goodwill	0
Intangible assets, net	2,638
Other real estate, net	35,084
Accrued interest receivable	12,455
Other assets	84,088
Total assets	4,078,321

Noninterest-bearing demand	414,604
Interest-bearing demand	1,165,061
Savings	213,936
Time	1,839,276
Total deposits	3,632,877
Repurchase agreements	7,119
Accrued interest payable	17,637
Long-term advances from federal home loan bank	135,000
Senior long-term debt	14,203
Junior subordinated debentures	29,805
Other liabilities	15,462
Total liabilities	3,852,103
Non-cumulative perpetual 34,500 shares issued and outstanding, respectively	33,058
Common stock, 1 par value - 100,600,000 shares authorized 15,793,433 and 12,504,717 shares issued and outstanding	15,793
Surplus	170,621
Retained earnings	14,055
Accumulated other comprehensive (loss) income	-7,309
Total shareholders' equity	226,218
Total liabilities and shareholders' equity	4,078,321

Unit: Thousand (K) dollars (except for numbers of shares and EPS).