Call reports 2015
1ST FINANCIAL BANK USA — 2015
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 731,314,000 | 717,172,000 | 715,968,000 | 711,272,000 |
| Total loans | 554,335,000 | 549,809,000 | 549,897,000 | 555,475,000 |
| Allowance for loan losses | 23,829,000 | 21,982,000 | 23,010,000 | 24,333,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,204,000 | 31,123,000 | 31,093,000 | 31,055,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,671,000 | 539,032,000 | 550,872,000 | 547,796,000 |
| Interest-bearing deposits | 525,754,000 | 531,296,000 | 543,306,000 | 538,783,000 |
| Noninterest-bearing deposits | 7,917,000 | 7,736,000 | 7,566,000 | 9,013,000 |
| Equity capital | 125,554,000 | 129,246,000 | 130,855,000 | 131,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 33,066,000 | 65,072,000 | 97,869,000 | 130,619,000 |
| Interest expense | 3,013,000 | 7,777,000 | 11,398,000 | 14,999,000 |
| Net interest income | 30,053,000 | 57,295,000 | 86,471,000 | 115,620,000 |
| Noninterest income | 2,748,000 | 7,838,000 | 12,327,000 | 17,219,000 |
| Noninterest expense | 18,822,000 | 39,656,000 | 64,699,000 | 90,610,000 |
| Provision for loan losses | 7,419,000 | 10,858,000 | 15,926,000 | 22,349,000 |
| Pretax income | 6,560,000 | 14,619,000 | 18,173,000 | 19,880,000 |
| Income tax | 2,517,000 | 6,830,000 | 8,717,000 | 9,720,000 |
| Net income | 4,043,000 | 7,789,000 | 9,456,000 | 10,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,554,000 | 129,246,000 | 130,855,000 | 131,505,000 |
| Total capital | 133,595,000 | 137,217,000 | 138,736,000 | 139,456,000 |
| Risk-weighted assets | 627,509,000 | 623,681,000 | 615,334,000 | 619,678,000 |