Call reports 2006
1ST FINANCIAL BANK USA — 2006
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 252,684,000 | 264,559,000 | 275,529,000 | 275,779,000 |
| Total loans | 88,122,000 | 98,209,000 | 99,099,000 | 104,289,000 |
| Allowance for loan losses | 9,169,000 | 8,250,000 | 8,085,000 | 8,976,000 |
| Securities available for sale | 15,084,000 | 17,093,000 | 18,966,000 | 12,172,000 |
| Securities held to maturity | 24,168,000 | 24,143,000 | 25,080,000 | 25,115,000 |
| Trading assets | 251,000 | 250,000 | 264,000 | 271,000 |
| Total deposits | 169,002,000 | 179,068,000 | 185,623,000 | 182,127,000 |
| Interest-bearing deposits | 163,207,000 | 173,707,000 | 180,264,000 | 174,859,000 |
| Noninterest-bearing deposits | 5,795,000 | 5,361,000 | 5,359,000 | 7,268,000 |
| Equity capital | 54,373,000 | 55,570,000 | 60,373,000 | 62,635,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 14,606,000 | 27,617,000 | 45,779,000 | 61,481,000 |
| Interest expense | 1,603,000 | 3,382,000 | 5,469,000 | 7,681,000 |
| Net interest income | 13,003,000 | 24,235,000 | 40,310,000 | 53,800,000 |
| Noninterest income | 13,439,000 | 26,612,000 | 41,962,000 | 57,353,000 |
| Noninterest expense | 24,585,000 | 46,612,000 | 71,188,000 | 94,313,000 |
| Provision for loan losses | 607,000 | 1,169,000 | 2,250,000 | 4,656,000 |
| Pretax income | 1,250,000 | 3,066,000 | 8,834,000 | 12,184,000 |
| Income tax | 426,000 | 1,096,000 | 3,307,000 | 4,618,000 |
| Net income | 824,000 | 1,970,000 | 5,527,000 | 7,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,842,000 | 52,987,000 | 56,545,000 | 58,583,000 |
| Total capital | 57,000,000 | 58,289,000 | 62,258,000 | 64,499,000 |
| Risk-weighted assets | 244,506,000 | 258,868,000 | 275,403,000 | 274,025,000 |