Call reports 2025
1ST FINANCIAL BANK USA — 2025
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,344,372,000 | 1,307,506,000 | 1,329,491,000 | 1,352,658,000 |
| Total loans | 932,102,000 | 959,160,000 | 978,997,000 | 964,454,000 |
| Allowance for loan losses | 18,668,000 | 18,792,000 | 17,242,000 | 17,144,000 |
| Securities available for sale | 49,613,000 | 49,771,000 | 49,380,000 | 49,536,000 |
| Securities held to maturity | 60,455,000 | 60,548,000 | 60,800,000 | 60,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,027,664,000 | 994,855,000 | 1,014,942,000 | 1,039,908,000 |
| Interest-bearing deposits | 1,012,097,000 | 981,970,000 | 1,002,880,000 | 1,024,368,000 |
| Noninterest-bearing deposits | 15,567,000 | 12,885,000 | 12,062,000 | 15,540,000 |
| Equity capital | 223,683,000 | 224,173,000 | 224,746,000 | 225,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 39,224,000 | 78,558,000 | 118,613,000 | 157,074,000 |
| Interest expense | 11,013,000 | 22,051,000 | 33,699,000 | 44,895,000 |
| Net interest income | 28,211,000 | 56,507,000 | 84,914,000 | 112,179,000 |
| Noninterest income | 11,723,000 | 24,035,000 | 37,149,000 | 50,608,000 |
| Noninterest expense | 27,732,000 | 56,635,000 | 88,264,000 | 124,108,000 |
| Provision for loan losses | 5,547,000 | 11,360,000 | 15,259,000 | 19,980,000 |
| Pretax income | 6,590,000 | 12,422,000 | 18,451,000 | 18,675,000 |
| Income tax | 1,585,000 | 3,230,000 | 4,768,000 | 2,849,000 |
| Net income | 5,005,000 | 9,192,000 | 13,683,000 | 15,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 222,382,000 | 223,371,000 | 224,062,000 | 225,349,000 |
| Total capital | 235,319,000 | 236,652,000 | 237,472,000 | 238,814,000 |
| Risk-weighted assets | 1,028,745,000 | 1,056,402,000 | 1,068,501,000 | 1,073,055,000 |