Financial insights of FGBI

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans (including fees)	33,279	38,102*	39,325	41,013
Deposits with other banks	8,637	6,711*	7,777	7,511
Securities (including fhlb stock)	10,359	6,737*	6,398	5,797
Total interest income	52,275	51,549*	53,500	54,321
Demand deposits	9,610	10,751*	13,185	12,708
Savings deposits	946	1,038*	1,058	1,336
Time deposits	18,599	16,715*	14,519	15,196
Borrowings	2,431	2,820*	2,500	2,841
Total interest expense	31,586	31,323*	31,262	32,081
Net interest income	20,689	20,226*	22,238	22,240
Less provision for credit gaines	2,625	-15,085*	47,933	16,610
Net interest income after provision for credit losses	18,064	35,311*	-25,695	5,630
Service charges, commissions and fees	758	788*	832	834
Atm and debit card fees	642	683*	741	778
Net gains on securities	1	-	0	0
Net gains on sale of loans	-	0*	0	0
Net losss on sale of assets	44	25*	-366	0
Other	763	957*	653	544
Total noninterest income	2,208	2,452*	1,860	2,156
Salaries and employee benefits	7,352	7,508*	7,465	7,843
Occupancy and equipment expense	2,464	2,467*	2,605	2,605
Goodwill impairment	-	-6,450*	12,900	-
Other	6,913	7,561*	7,205	6,819
Total noninterest expense	16,729	11,086*	30,175	17,267
Income (gain) before income taxes	3,543	26,677*	-54,010	-9,481
Provision (benefit) for income taxes	800	4,240*	-9,007	-2,178
Net income (gain)	2,743	22,437*	-45,003	-7,303
Less preferred stock dividends	582	582*	582	582
Net income (gain) available to common shareholders	2,161	21,855	-45,585	-7,885

Basic EPS	0.14	1.57	-3.01	-0.61
Basic Average Shares	15,796,040	13,922,893	15,122,702	12,910,785

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.