Call reports 2012
1ST FINANCIAL BANK USA — 2012
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 521,978,000 | 515,486,000 | 614,947,000 | 652,436,000 |
| Total loans | 67,579,000 | 90,852,000 | 179,929,000 | 302,814,000 |
| Allowance for loan losses | 3,409,000 | 4,058,000 | 7,915,000 | 13,222,000 |
| Securities available for sale | 145,737,000 | 165,245,000 | 165,525,000 | 111,538,000 |
| Securities held to maturity | 32,495,000 | 32,861,000 | 33,333,000 | 30,752,000 |
| Trading assets | 2,000 | 24,000 | 56,000 | 43,000 |
| Total deposits | 359,501,000 | 349,005,000 | 444,337,000 | 503,477,000 |
| Interest-bearing deposits | 353,211,000 | 342,541,000 | 438,305,000 | 495,377,000 |
| Noninterest-bearing deposits | 6,290,000 | 6,464,000 | 6,032,000 | 8,100,000 |
| Equity capital | 113,194,000 | 116,922,000 | 118,635,000 | 116,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 19,691,000 | 40,593,000 | 65,621,000 | 93,418,000 |
| Interest expense | 1,458,000 | 2,759,000 | 4,321,000 | 6,336,000 |
| Net interest income | 18,233,000 | 37,834,000 | 61,300,000 | 87,082,000 |
| Noninterest income | 9,516,000 | 16,628,000 | 24,372,000 | 30,994,000 |
| Noninterest expense | 24,582,000 | 50,010,000 | 75,601,000 | 96,449,000 |
| Provision for loan losses | -1,052,000 | 240,000 | 5,189,000 | 13,492,000 |
| Pretax income | 4,219,000 | 4,212,000 | 4,882,000 | 8,135,000 |
| Income tax | 1,556,000 | 1,564,000 | 1,824,000 | 3,029,000 |
| Net income | 2,663,000 | 2,648,000 | 3,058,000 | 5,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,540,000 | 104,479,000 | 104,906,000 | 106,930,000 |
| Total capital | 107,949,000 | 108,537,000 | 110,417,000 | 113,327,000 |
| Risk-weighted assets | 253,244,000 | 276,028,000 | 364,371,000 | 454,848,000 |