Call reports 2016
1ST FINANCIAL BANK USA — 2016
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 688,201,000 | 678,103,000 | 677,549,000 | 685,234,000 |
| Total loans | 531,147,000 | 528,728,000 | 533,208,000 | 542,753,000 |
| Allowance for loan losses | 23,985,000 | 22,898,000 | 24,426,000 | 24,477,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,039,000 | 30,950,000 | 30,935,000 | 30,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 521,521,000 | 504,954,000 | 499,499,000 | 504,839,000 |
| Interest-bearing deposits | 513,269,000 | 497,496,000 | 492,405,000 | 496,364,000 |
| Noninterest-bearing deposits | 8,252,000 | 7,458,000 | 7,094,000 | 8,475,000 |
| Equity capital | 133,478,000 | 135,110,000 | 137,008,000 | 138,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 32,177,000 | 63,449,000 | 95,524,000 | 127,814,000 |
| Interest expense | 3,655,000 | 7,105,000 | 10,530,000 | 13,942,000 |
| Net interest income | 28,522,000 | 56,344,000 | 84,994,000 | 113,872,000 |
| Noninterest income | 4,583,000 | 8,808,000 | 13,598,000 | 18,677,000 |
| Noninterest expense | 24,914,000 | 49,428,000 | 73,239,000 | 97,891,000 |
| Provision for loan losses | 4,669,000 | 8,819,000 | 15,060,000 | 20,951,000 |
| Pretax income | 3,522,000 | 6,905,000 | 10,293,000 | 13,707,000 |
| Income tax | 1,469,000 | 3,167,000 | 4,622,000 | 6,211,000 |
| Net income | 2,053,000 | 3,738,000 | 5,671,000 | 7,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,478,000 | 135,110,000 | 137,008,000 | 138,620,000 |
| Total capital | 141,106,000 | 142,706,000 | 144,659,000 | 146,399,000 |
| Risk-weighted assets | 593,877,000 | 592,384,000 | 595,270,000 | 605,630,000 |