Call reports 2010
1ST FINANCIAL BANK USA — 2010
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 527,396,000 | 498,009,000 | 473,601,000 | 481,722,000 |
| Total loans | 68,925,000 | 71,405,000 | 78,251,000 | 69,124,000 |
| Allowance for loan losses | 7,306,000 | 6,879,000 | 7,139,000 | 5,790,000 |
| Securities available for sale | 215,823,000 | 177,267,000 | 117,207,000 | 188,895,000 |
| Securities held to maturity | 30,518,000 | 30,463,000 | 30,491,000 | 30,481,000 |
| Trading assets | 2,000 | 2,000 | 2,000 | 2,000 |
| Total deposits | 383,299,000 | 362,940,000 | 330,114,000 | 330,683,000 |
| Interest-bearing deposits | 375,652,000 | 356,109,000 | 322,204,000 | 323,316,000 |
| Noninterest-bearing deposits | 7,647,000 | 6,831,000 | 7,910,000 | 7,367,000 |
| Equity capital | 96,884,000 | 95,217,000 | 100,126,000 | 106,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 25,340,000 | 42,183,000 | 61,859,000 | 80,780,000 |
| Interest expense | 2,458,000 | 4,655,000 | 6,596,000 | 8,407,000 |
| Net interest income | 22,882,000 | 37,528,000 | 55,263,000 | 72,373,000 |
| Noninterest income | 8,468,000 | 19,434,000 | 30,523,000 | 39,749,000 |
| Noninterest expense | 25,895,000 | 49,218,000 | 69,592,000 | 91,834,000 |
| Provision for loan losses | -1,830,000 | -64,000 | 1,925,000 | 2,175,000 |
| Pretax income | 7,285,000 | 7,808,000 | 14,269,000 | 18,113,000 |
| Income tax | 2,695,000 | 2,928,000 | 5,460,000 | 6,944,000 |
| Net income | 4,590,000 | 4,880,000 | 8,809,000 | 11,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,147,000 | 89,436,000 | 93,366,000 | 95,726,000 |
| Total capital | 95,930,000 | 96,315,000 | 97,870,000 | 100,807,000 |
| Risk-weighted assets | 374,024,000 | 338,838,000 | 242,587,000 | 263,777,000 |