Call reports 2008
1ST FINANCIAL BANK USA — 2008
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 445,038,000 | 490,124,000 | 494,177,000 | 655,569,000 |
| Total loans | 91,176,000 | 111,427,000 | 119,851,000 | 129,512,000 |
| Allowance for loan losses | 10,904,000 | 11,505,000 | 11,697,000 | 11,996,000 |
| Securities available for sale | 18,983,000 | 151,444,000 | 216,303,000 | 248,880,000 |
| Securities held to maturity | 25,697,000 | 25,771,000 | 25,818,000 | 25,853,000 |
| Trading assets | 289,000 | 279,000 | 285,000 | 299,000 |
| Total deposits | 326,932,000 | 377,686,000 | 393,867,000 | 544,183,000 |
| Interest-bearing deposits | 320,534,000 | 370,881,000 | 387,611,000 | 537,966,000 |
| Noninterest-bearing deposits | 6,398,000 | 6,805,000 | 6,256,000 | 6,217,000 |
| Equity capital | 75,864,000 | 75,282,000 | 71,595,000 | 77,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 16,932,000 | 35,566,000 | 57,980,000 | 81,583,000 |
| Interest expense | 2,786,000 | 6,455,000 | 10,440,000 | 14,945,000 |
| Net interest income | 14,146,000 | 29,111,000 | 47,540,000 | 66,638,000 |
| Noninterest income | 20,089,000 | 29,218,000 | 42,162,000 | 52,683,000 |
| Noninterest expense | 27,640,000 | 51,688,000 | 73,886,000 | 92,348,000 |
| Provision for loan losses | 1,360,000 | 4,251,000 | 6,702,000 | 9,788,000 |
| Pretax income | 5,090,000 | 2,245,000 | 8,969,000 | 17,040,000 |
| Income tax | 1,935,000 | 898,000 | 3,356,000 | 6,535,000 |
| Net income | 3,155,000 | 1,347,000 | 5,613,000 | 10,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,921,000 | 69,692,000 | 74,162,000 | 79,656,000 |
| Total capital | 76,054,000 | 77,259,000 | 82,176,000 | 88,526,000 |
| Risk-weighted assets | 351,214,000 | 437,756,000 | 476,890,000 | 547,206,000 |