First Guaranty Bancshares Q4 EPS drops 50% YoY; common dividend cut to $0.01

First Guaranty Bancshares, Inc.

Q4 net income $1.01M ($0.03 common EPS) vs $1.30M ($0.06) a year ago; full year $12.45M ($0.81) vs $9.22M ($0.62).
Provision for credit losses surged to $6.0M in Q4 (from $2.2M) and $20.0M full year (from $3.7M).
Common dividend slashed to $0.01 per share in Q4 from $0.16; full year dividends $0.41 from $0.64.
Total assets $3.97B, deposits $3.48B, loans $2.69B at Dec 31, 2024.
Net interest income grew to $22.6M in Q4 ($21.0M prior year) despite higher interest expense.

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