Call reports 2013
1ST FINANCIAL BANK USA — 2013
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 638,129,000 | 618,237,000 | 695,588,000 | 701,541,000 |
| Total loans | 317,580,000 | 309,312,000 | 357,237,000 | 411,225,000 |
| Allowance for loan losses | 12,861,000 | 11,956,000 | 14,224,000 | 16,575,000 |
| Securities available for sale | 91,902,000 | 91,346,000 | 90,882,000 | 90,337,000 |
| Securities held to maturity | 32,702,000 | 33,200,000 | 31,339,000 | 31,302,000 |
| Trading assets | 38,000 | 12,000 | 2,000 | 0 |
| Total deposits | 485,444,000 | 465,277,000 | 544,391,000 | 539,039,000 |
| Interest-bearing deposits | 478,761,000 | 457,838,000 | 537,116,000 | 529,981,000 |
| Noninterest-bearing deposits | 6,683,000 | 7,439,000 | 7,275,000 | 9,058,000 |
| Equity capital | 116,978,000 | 119,766,000 | 120,401,000 | 121,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 27,851,000 | 55,417,000 | 83,573,000 | 114,052,000 |
| Interest expense | 2,072,000 | 4,328,000 | 6,706,000 | 9,677,000 |
| Net interest income | 25,779,000 | 51,089,000 | 76,867,000 | 104,375,000 |
| Noninterest income | 7,446,000 | 15,421,000 | 22,826,000 | 27,204,000 |
| Noninterest expense | 27,176,000 | 53,524,000 | 79,944,000 | 104,017,000 |
| Provision for loan losses | 2,251,000 | 4,208,000 | 9,198,000 | 15,503,000 |
| Pretax income | 3,798,000 | 8,778,000 | 10,551,000 | 12,059,000 |
| Income tax | 1,435,000 | 3,319,000 | 4,096,000 | 4,713,000 |
| Net income | 2,363,000 | 5,459,000 | 6,455,000 | 7,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,297,000 | 112,370,000 | 113,320,000 | 114,209,000 |
| Total capital | 115,277,000 | 118,410,000 | 120,122,000 | 121,246,000 |
| Risk-weighted assets | 426,347,000 | 421,096,000 | 492,385,000 | 520,123,000 |