Call reports 2011
1ST FINANCIAL BANK USA — 2011
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 481,409,000 | 504,361,000 | 517,960,000 | 515,594,000 |
| Total loans | 60,819,000 | 68,390,000 | 51,815,000 | 93,872,000 |
| Allowance for loan losses | 4,420,000 | 4,347,000 | 3,020,000 | 5,192,000 |
| Securities available for sale | 205,341,000 | 210,310,000 | 210,465,000 | 189,107,000 |
| Securities held to maturity | 30,528,000 | 30,497,000 | 30,549,000 | 30,485,000 |
| Trading assets | 2,000 | 2,000 | 2,000 | 2,000 |
| Total deposits | 334,622,000 | 356,170,000 | 362,072,000 | 366,855,000 |
| Interest-bearing deposits | 324,969,000 | 349,694,000 | 356,209,000 | 360,148,000 |
| Noninterest-bearing deposits | 9,653,000 | 6,476,000 | 5,863,000 | 6,707,000 |
| Equity capital | 104,130,000 | 108,282,000 | 111,954,000 | 108,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 17,748,000 | 36,667,000 | 61,775,000 | 82,200,000 |
| Interest expense | 1,693,000 | 3,477,000 | 5,164,000 | 6,790,000 |
| Net interest income | 16,055,000 | 33,190,000 | 56,611,000 | 75,410,000 |
| Noninterest income | 8,297,000 | 15,993,000 | 25,618,000 | 35,944,000 |
| Noninterest expense | 23,463,000 | 45,114,000 | 73,226,000 | 97,309,000 |
| Provision for loan losses | 233,000 | 1,337,000 | 659,000 | 3,902,000 |
| Pretax income | 656,000 | 2,732,000 | 8,344,000 | 10,143,000 |
| Income tax | 257,000 | 1,036,000 | 3,108,000 | 3,875,000 |
| Net income | 399,000 | 1,696,000 | 5,236,000 | 6,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,125,000 | 97,422,000 | 100,962,000 | 101,850,000 |
| Total capital | 100,303,000 | 101,769,000 | 103,982,000 | 106,584,000 |
| Risk-weighted assets | 255,070,000 | 263,406,000 | 282,058,000 | 279,377,000 |