| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net (loss) income | -58,472 | -13,469 |
| Provision for credit losses | 79,091 | 31,158 |
| Goodwill impairment | 12,900 | - |
| Depreciation and amortization | 3,257 | 2,189 |
| Change in right of use asset | 379 | 251 |
| Amortization/accretion of investments | 2,686 | 2,105 |
| (gain) loss on sale/call of securities | 0 | 0 |
| Loss (gain) on sale of assets | -362 | 4 |
| Repossessed asset write downs, gains and losses on dispositions | -24 | -24 |
| Interest expense paid-in-kind | 1,595 | 708 |
| Fhlb stock dividends | 373 | 250 |
| Change in operating lease liabilities | -352 | -233 |
| Change in other assets and liabilities, net | 19,228 | 31,197 |
| Net cash provided by operating activities | 16,497 | -12,928 |
| Proceeds from maturities, calls and sales of afs securities | 184,045 | 119,937 |
| Funds invested in certificates of deposit | 0 | - |
| Funds invested in afs securities | 269,682 | 231,470 |
| Funds invested in federal home loan bank stock | 0 | 0 |
| Proceeds from sale/redemption of federal home loan bank stock | 0 | 0 |
| Proceeds from maturities and calls of htm securities | - | 0 |
| Net decrease (increase) in loans | -377,772 | -268,151 |
| Purchase of premises and equipment | 1,169 | 481 |
| Proceeds from sales of premises and equipment | 1,238 | 4 |
| Proceeds from sales of other real estate owned | 142 | 130 |
| Net cash provided by (used in) investing activities | 292,346 | 156,271 |
| Net (decrease) increase in deposits | -121,363 | 5,078 |
| Net increase (decrease) in federal funds purchased and short-term borrowings | 108 | 108 |
| Repayment of long-term borrowings | 1,008 | 1,008 |
| Proceeds from subordinated debentures | 0 | 0 |
| Proceeds from issuance of common stock | 5,546 | 4,559 |
| Dividends paid on preferred stock | 1,746 | 1,164 |
| Dividends paid on common stock | 405 | 254 |
| Net cash (used in) provided by financing activities | -118,868 | 7,319 |
| Net increase in cash and cash equivalents | 189,975 | 150,662 |
| Cash and cash equivalents at beginning of period | 564,208 | - |
| Cash and cash equivalents at end of period | 754,183 | - |
First Guaranty Bancshares, Inc. (FGBIP)
First Guaranty Bancshares, Inc. (FGBIP)