Call reports 2014
1ST FINANCIAL BANK USA — 2014
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 674,836,000 | 683,744,000 | 684,452,000 | 703,205,000 |
| Total loans | 435,460,000 | 464,944,000 | 501,825,000 | 516,862,000 |
| Allowance for loan losses | 17,875,000 | 19,129,000 | 21,311,000 | 22,110,000 |
| Securities available for sale | 66,676,000 | 49,100,000 | 25,347,000 | 25,227,000 |
| Securities held to maturity | 31,324,000 | 31,323,000 | 31,290,000 | 31,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,261,000 | 524,547,000 | 525,215,000 | 544,969,000 |
| Interest-bearing deposits | 504,417,000 | 516,660,000 | 516,355,000 | 534,956,000 |
| Noninterest-bearing deposits | 7,844,000 | 7,887,000 | 8,860,000 | 10,013,000 |
| Equity capital | 121,459,000 | 121,704,000 | 122,178,000 | 124,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 29,521,000 | 59,380,000 | 90,974,000 | 123,973,000 |
| Interest expense | 2,908,000 | 5,684,000 | 8,593,000 | 11,669,000 |
| Net interest income | 26,613,000 | 53,696,000 | 82,381,000 | 112,304,000 |
| Noninterest income | 4,515,000 | 10,295,000 | 16,050,000 | 21,033,000 |
| Noninterest expense | 22,323,000 | 46,405,000 | 72,629,000 | 98,375,000 |
| Provision for loan losses | 5,295,000 | 10,984,000 | 16,807,000 | 22,201,000 |
| Pretax income | 3,510,000 | 6,602,000 | 8,995,000 | 12,761,000 |
| Income tax | 1,328,000 | 3,115,000 | 4,053,000 | 5,473,000 |
| Net income | 2,182,000 | 3,487,000 | 4,942,000 | 7,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,511,000 | 117,742,000 | 119,195,000 | 121,533,000 |
| Total capital | 123,307,000 | 124,852,000 | 126,512,000 | 129,124,000 |
| Risk-weighted assets | 517,882,000 | 545,571,000 | 566,542,000 | 586,508,000 |