Call reports 2020
1ST FINANCIAL BANK USA — 2020
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 658,107,000 | 630,878,000 | 633,090,000 | 633,716,000 |
| Total loans | 493,925,000 | 462,684,000 | 452,115,000 | 457,252,000 |
| Allowance for loan losses | 26,127,000 | 23,339,000 | 16,635,000 | 12,896,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 48,832,000 | 46,833,000 | 74,802,000 | 67,155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,496,000 | 422,957,000 | 419,139,000 | 396,221,000 |
| Interest-bearing deposits | 443,669,000 | 413,882,000 | 409,769,000 | 385,707,000 |
| Noninterest-bearing deposits | 7,827,000 | 9,075,000 | 9,370,000 | 10,514,000 |
| Equity capital | 169,322,000 | 171,005,000 | 176,176,000 | 179,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 29,510,000 | 55,346,000 | 80,103,000 | 104,828,000 |
| Interest expense | 3,689,000 | 9,405,000 | 10,769,000 | 11,994,000 |
| Net interest income | 25,821,000 | 45,941,000 | 69,334,000 | 92,834,000 |
| Noninterest income | 4,077,000 | 7,580,000 | 11,312,000 | 15,422,000 |
| Noninterest expense | 21,987,000 | 41,408,000 | 65,098,000 | 90,666,000 |
| Provision for loan losses | 6,001,000 | 7,416,000 | 3,763,000 | 1,877,000 |
| Pretax income | 1,910,000 | 4,697,000 | 11,785,000 | 15,713,000 |
| Income tax | 622,000 | 1,718,000 | 3,699,000 | 4,252,000 |
| Net income | 1,288,000 | 2,979,000 | 8,086,000 | 11,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,322,000 | 171,005,000 | 176,176,000 | 179,600,000 |
| Total capital | 176,707,000 | 177,865,000 | 182,833,000 | 186,339,000 |
| Risk-weighted assets | 572,067,000 | 532,353,000 | 522,554,000 | 532,959,000 |