Call reports 2023
1ST FINANCIAL BANK USA — 2023
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,103,362,000 | 1,116,106,000 | 1,236,101,000 | 1,238,460,000 |
| Total loans | 883,713,000 | 881,992,000 | 904,532,000 | 929,271,000 |
| Allowance for loan losses | 17,615,000 | 18,643,000 | 19,179,000 | 18,554,000 |
| Securities available for sale | 0 | 0 | 0 | 48,546,000 |
| Securities held to maturity | 34,844,000 | 30,817,000 | 20,778,000 | 70,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 802,065,000 | 808,586,000 | 923,940,000 | 909,470,000 |
| Interest-bearing deposits | 787,655,000 | 793,189,000 | 911,456,000 | 895,398,000 |
| Noninterest-bearing deposits | 14,411,000 | 15,397,000 | 12,484,000 | 14,072,000 |
| Equity capital | 211,931,000 | 226,229,000 | 230,360,000 | 233,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 34,316,000 | 70,702,000 | 108,162,000 | 147,743,000 |
| Interest expense | 6,780,000 | 14,396,000 | 22,758,000 | 32,890,000 |
| Net interest income | 27,536,000 | 56,306,000 | 85,404,000 | 114,853,000 |
| Noninterest income | 6,230,000 | 26,920,000 | 32,908,000 | 46,552,000 |
| Noninterest expense | 24,276,000 | 48,561,000 | 72,324,000 | 106,634,000 |
| Provision for loan losses | 3,648,000 | 9,592,000 | 15,218,000 | 20,391,000 |
| Pretax income | 5,709,000 | 25,106,000 | 30,833,000 | 34,452,000 |
| Income tax | 1,601,000 | 6,708,000 | 8,282,000 | 9,056,000 |
| Net income | 4,108,000 | 18,398,000 | 22,551,000 | 25,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 208,496,000 | 223,073,000 | 227,482,000 | 230,593,000 |
| Total capital | 220,277,000 | 234,681,000 | 239,285,000 | 243,576,000 |
| Risk-weighted assets | 936,045,000 | 921,203,000 | 936,460,000 | 1,032,673,000 |