Call reports 2009
1ST FINANCIAL BANK USA — 2009
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 627,753,000 | 635,086,000 | 643,874,000 | 532,102,000 |
| Total loans | 193,390,000 | 205,650,000 | 114,694,000 | 119,738,000 |
| Allowance for loan losses | 17,734,000 | 18,871,000 | 10,651,000 | 11,315,000 |
| Securities available for sale | 242,941,000 | 243,986,000 | 280,302,000 | 223,614,000 |
| Securities held to maturity | 30,875,000 | 30,857,000 | 30,593,000 | 30,606,000 |
| Trading assets | 294,000 | 279,000 | 284,000 | 2,000 |
| Total deposits | 502,732,000 | 488,403,000 | 496,927,000 | 396,611,000 |
| Interest-bearing deposits | 495,987,000 | 481,518,000 | 490,082,000 | 389,197,000 |
| Noninterest-bearing deposits | 6,745,000 | 6,885,000 | 6,845,000 | 7,414,000 |
| Equity capital | 72,903,000 | 77,510,000 | 89,748,000 | 93,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 20,390,000 | 43,516,000 | 62,831,000 | 85,256,000 |
| Interest expense | 5,092,000 | 9,594,000 | 13,668,000 | 16,686,000 |
| Net interest income | 15,298,000 | 33,922,000 | 49,163,000 | 68,570,000 |
| Noninterest income | 7,570,000 | 18,472,000 | 37,985,000 | 43,125,000 |
| Noninterest expense | 20,233,000 | 41,136,000 | 62,110,000 | 95,877,000 |
| Provision for loan losses | 10,225,000 | 15,630,000 | 10,576,000 | 12,485,000 |
| Pretax income | -7,590,000 | -4,372,000 | 14,462,000 | 3,333,000 |
| Income tax | -2,763,000 | -1,549,000 | 5,564,000 | 1,395,000 |
| Net income | -4,827,000 | -2,823,000 | 8,898,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,792,000 | 79,796,000 | 91,517,000 | 84,557,000 |
| Total capital | 86,636,000 | 89,210,000 | 101,742,000 | 89,762,000 |
| Risk-weighted assets | 552,679,000 | 582,976,000 | 583,381,000 | 351,458,000 |