Call reports 2002
1ST FINANCIAL BANK USA — 2002
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 211,650,000 | 199,306,000 | 202,951,000 | 210,490,000 |
| Total loans | 60,229,000 | 58,696,000 | 53,865,000 | 99,417,000 |
| Allowance for loan losses | 7,014,000 | 6,971,000 | 7,646,000 | 8,408,000 |
| Securities available for sale | 63,807,000 | 46,532,000 | 46,583,000 | 18,273,000 |
| Securities held to maturity | 16,876,000 | 35,415,000 | 34,840,000 | 28,850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,763,000 | 160,930,000 | 163,087,000 | 164,818,000 |
| Interest-bearing deposits | 173,816,000 | 155,871,000 | 158,020,000 | 159,727,000 |
| Noninterest-bearing deposits | 5,947,000 | 5,059,000 | 5,067,000 | 5,091,000 |
| Equity capital | 25,967,000 | 30,670,000 | 33,230,000 | 35,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,109,000 | 10,472,000 | 15,634,000 | 24,117,000 |
| Interest expense | 1,853,000 | 3,532,000 | 5,018,000 | 6,465,000 |
| Net interest income | 4,256,000 | 6,940,000 | 10,616,000 | 17,652,000 |
| Noninterest income | 15,021,000 | 27,877,000 | 42,083,000 | 55,671,000 |
| Noninterest expense | 12,152,000 | 23,926,000 | 35,752,000 | 50,734,000 |
| Provision for loan losses | 1,712,000 | 3,055,000 | 4,256,000 | 5,475,000 |
| Pretax income | 5,413,000 | 7,836,000 | 12,691,000 | 17,114,000 |
| Income tax | 1,863,000 | 2,779,000 | 4,674,000 | 6,337,000 |
| Net income | 3,550,000 | 5,057,000 | 8,017,000 | 10,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,246,000 | 26,645,000 | 29,604,000 | 30,976,000 |
| Total capital | 27,492,000 | 30,888,000 | 33,850,000 | 35,437,000 |
| Risk-weighted assets | 310,855,000 | 299,691,000 | 277,322,000 | 279,500,000 |