Call reports 2004
1ST FINANCIAL BANK USA — 2004
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 223,593,000 | 216,681,000 | 236,812,000 | 231,122,000 |
| Total loans | 88,139,000 | 84,847,000 | 88,381,000 | 83,032,000 |
| Allowance for loan losses | 8,312,000 | 7,679,000 | 8,394,000 | 7,992,000 |
| Securities available for sale | 19,779,000 | 15,297,000 | 16,519,000 | 18,925,000 |
| Securities held to maturity | 24,446,000 | 24,390,000 | 24,344,000 | 24,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,021,000 | 163,534,000 | 169,940,000 | 165,170,000 |
| Interest-bearing deposits | 162,461,000 | 155,734,000 | 164,809,000 | 158,207,000 |
| Noninterest-bearing deposits | 7,560,000 | 7,800,000 | 5,131,000 | 6,963,000 |
| Equity capital | 47,318,000 | 46,503,000 | 48,116,000 | 45,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 12,400,000 | 22,858,000 | 37,019,000 | 47,794,000 |
| Interest expense | 1,084,000 | 2,105,000 | 3,158,000 | 4,256,000 |
| Net interest income | 11,316,000 | 20,753,000 | 33,861,000 | 43,538,000 |
| Noninterest income | 9,003,000 | 17,721,000 | 27,284,000 | 32,418,000 |
| Noninterest expense | 15,241,000 | 31,324,000 | 50,268,000 | 68,049,000 |
| Provision for loan losses | 2,001,000 | 3,203,000 | 5,223,000 | 6,450,000 |
| Pretax income | 3,077,000 | 3,947,000 | 5,654,000 | 1,457,000 |
| Income tax | 1,129,000 | 1,668,000 | 2,339,000 | 817,000 |
| Net income | 1,948,000 | 2,279,000 | 3,315,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,178,000 | 44,509,000 | 45,545,000 | 42,869,000 |
| Total capital | 50,917,000 | 51,134,000 | 52,427,000 | 48,693,000 |
| Risk-weighted assets | 378,131,000 | 350,465,000 | 376,553,000 | 316,465,000 |