For the quarter ending 2026-03-31, FGBIP had -$111,934K decrease in cash & cash equivalents over the period. $50,426K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income (loss) | 2,743 | 2,450 | -45,003 | -13,469 |
| Provision for credit losses | 2,625 | 2,638 | 47,933 | 31,158 |
| Goodwill impairment | - | 0 | 12,900 | - |
| Depreciation and amortization | 977 | 1,033 | 1,068 | 2,189 |
| Change in right of use asset | 229 | 130 | 128 | 251 |
| Amortization/accretion of investments | 1,112 | 440 | 581 | 2,105 |
| (gain) loss on sale/call of securities | 1 | - | 0 | 0 |
| Gain on sale of assets | 44 | -261 | -366 | 4 |
| Repossessed asset write downs, gains and losses on dispositions | -50 | -409 | 0 | -24 |
| Interest expense paid-in-kind | 823 | 879 | 887 | 708 |
| Fhlb stock dividends | 118 | 127 | 123 | 250 |
| Change in operating lease liabilities | -230 | -122 | -119 | -233 |
| Change in other assets and liabilities, net | -44,651 | 31,888 | -11,969 | 31,197 |
| Net cash provided by operating activities | 50,593 | -24,777 | 29,425 | -12,928 |
| Proceeds from maturities and calls of htm securities | 0 | 970 | - | 0 |
| Funds invested in federal home loan bank stock | - | 0 | 0 | 0 |
| Funds invested in htm securities | - | 970 | - | - |
| Proceeds from sale/redemption of federal home loan bank stock | - | 0 | 0 | 0 |
| Increase in interest bearing deposits | - | 0 | - | - |
| Proceeds from maturities, calls and sales of afs securities | 54,245 | 17,335 | 64,108 | 119,937 |
| Funds invested in certificates of deposit | - | - | 0 | - |
| Funds invested in afs securities | 238,381 | 318,083 | 38,212 | 231,470 |
| Net decrease in loans | -139,451 | -138,926 | -109,621 | -268,151 |
| Purchase of premises and equipment | 167 | 527 | 688 | 481 |
| Proceeds from sales of premises and equipment | 338 | -100 | 1,234 | 4 |
| Proceeds from sales of other real estate owned | 7,060 | 0 | 12 | 130 |
| Net cash (used in) provided by investing activities | -37,454 | -162,449 | 136,075 | 156,271 |
| Net decrease in deposits | -125,333 | 277,980 | -126,441 | 5,078 |
| Net increase (decrease) in federal funds purchased and short-term borrowings | 0 | 2 | 0 | 108 |
| Proceeds of long-term borrowings, net of costs | - | 0 | - | - |
| Repayment of long-term borrowings | 0 | 0 | 0 | 1,008 |
| Proceeds from subordinated debentures | - | - | 0 | 0 |
| Proceeds from issuance of common stock | 1,000 | 1,500 | 987 | 4,559 |
| Dividends paid on preferred stock | 582 | 583 | 582 | 1,164 |
| Dividends paid on common stock | 158 | 155 | 151 | 254 |
| Net cash used in financing activities | -125,073 | 278,744 | -126,187 | 7,319 |
| Net (decrease) increase in cash and cash equivalents | -111,934 | 91,518 | 39,313 | 150,662 |
| Cash and cash equivalents at the beginning of the period | 845,701 | 754,183 | 564,208 | - |
| Cash and cash equivalents at the end of the period | 733,767 | 845,701 | 754,183 | - |
First Guaranty Bancshares, Inc. (FGBIP)
First Guaranty Bancshares, Inc. (FGBIP)