Call reports 2024
1ST FINANCIAL BANK USA — 2024
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,274,091,000 | 1,269,501,000 | 1,312,818,000 | 1,313,798,000 |
| Total loans | 928,962,000 | 947,314,000 | 946,751,000 | 939,348,000 |
| Allowance for loan losses | 19,036,000 | 19,449,000 | 19,111,000 | 18,887,000 |
| Securities available for sale | 48,453,000 | 48,584,000 | 49,357,000 | 49,412,000 |
| Securities held to maturity | 70,090,000 | 70,169,000 | 60,245,000 | 60,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 942,109,000 | 952,381,000 | 993,311,000 | 996,527,000 |
| Interest-bearing deposits | 927,523,000 | 939,394,000 | 981,357,000 | 981,310,000 |
| Noninterest-bearing deposits | 14,586,000 | 12,987,000 | 11,954,000 | 15,217,000 |
| Equity capital | 237,091,000 | 221,808,000 | 222,097,000 | 219,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 38,684,000 | 77,803,000 | 117,959,000 | 158,088,000 |
| Interest expense | 10,084,000 | 20,728,000 | 32,196,000 | 43,485,000 |
| Net interest income | 28,600,000 | 57,075,000 | 85,763,000 | 114,603,000 |
| Noninterest income | 11,751,000 | 46,170,000 | 60,192,000 | 72,244,000 |
| Noninterest expense | 28,256,000 | 57,642,000 | 90,049,000 | 126,485,000 |
| Provision for loan losses | 6,674,000 | 13,252,000 | 18,717,000 | 24,320,000 |
| Pretax income | 5,439,000 | 32,338,000 | 37,182,000 | 36,028,000 |
| Income tax | 1,503,000 | 8,496,000 | 9,762,000 | 8,900,000 |
| Net income | 3,936,000 | 23,842,000 | 27,420,000 | 27,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 234,809,000 | 219,890,000 | 220,068,000 | 217,491,000 |
| Total capital | 247,805,000 | 233,181,000 | 233,316,000 | 230,549,000 |
| Risk-weighted assets | 1,033,227,000 | 1,056,693,000 | 1,053,584,000 | 1,038,380,000 |