| Sep'19 | Sep'18 | Sep'17 | Sep'16 | Sep'15 | Sep'14 | Sep'13 | Sep'12 | Sep'11 | Sep'10 |
|---|---|---|---|---|---|---|---|---|---|
INTEREST INCOME | |||||||||
Loans, including fees | |||||||||
42,697 | 34,057 | 27,093 | 22,876 | 21,439 | 20,961 | 21,126 | 20,611 | 20,687 | 22,213 |
Securities: | |||||||||
Taxable | |||||||||
2,769 | 3,650 | 3,315 | 3,691 | 3,971 | 4,523 | 4,255 | 3,999 | 4,315 | 3,296 |
Tax-exempt | |||||||||
4,030 | 3,551 | 3,012 | 2,470 | 2,226 | 1,730 | 1,565 | 1,222 | 851 | 668 |
Dividend income | |||||||||
643 | 465 | 313 | 310 | 303 | 245 | 200 | 151 | 112 | 69 |
Interest-bearing deposits with banks | |||||||||
856 | 436 | 184 | 109 | 48 | 35 | 29 | 11 | 18 | 16 |
Total interest income | |||||||||
50,995 | 42,159 | 33,917 | 29,456 | 27,987 | 27,494 | 27,175 | 25,994 | 25,983 | 26,262 |
INTEREST EXPENSE | |||||||||
Deposits | |||||||||
6,944 | 4,279 | 2,762 | 2,490 | 2,427 | 2,381 | 2,799 | 3,476 | 3,968 | 4,771 |
Federal funds purchased | |||||||||
1 | 0 | 23 | 1 | 0 | - | - | - | - | - |
Repurchase agreements | |||||||||
3 | 3 | 3 | 3 | 3 | 3 | 6 | 67 | 325 | 337 |
Borrowings from Federal Home Loan Bank | |||||||||
2,681 | 2,022 | 1,669 | 1,512 | 1,172 | 968 | 1,059 | 1,132 | 1,092 | 1,009 |
Other borrowings | |||||||||
1,277 | 33 | 0 | 161 | - | - | - | - | - | - |
Loans payable | |||||||||
- | - | - | - | 176 | 203 | 72 | 0 | - | - |
Total interest expense | |||||||||
10,906 | 6,337 | 4,457 | 4,167 | 3,778 | 3,555 | 3,936 | 4,675 | 5,385 | 6,117 |
Net interest income | |||||||||
40,089 | 35,822 | 29,460 | 25,289 | 24,209 | 23,939 | 23,239 | 21,319 | 20,598 | 20,145 |
Provision for loan losses | |||||||||
1,463 | 1,353 | 1,301 | 637 | 859 | 1,246 | 1,858 | 1,532 | 1,605 | 1,604 |
Net interest income after provision for loan losses | |||||||||
38,626 | 34,469 | 28,159 | 24,652 | 23,350 | 22,693 | 21,381 | 19,787 | 18,993 | 18,541 |
NONINTEREST INCOME | |||||||||
Service charges on deposit accounts | |||||||||
1,957 | 1,731 | 1,355 | - | - | - | - | - | - | - |
ATM and interchange fees | |||||||||
1,949 | 1,580 | 1,348 | 1,073 | - | - | - | - | - | - |
Net gain on sales of available for sale securities and time deposits | |||||||||
-74 | 99 | 30 | - | - | - | - | - | - | - |
Net unrealized gain on equity securities | |||||||||
5 | 0 | 0 | - | - | - | - | - | - | - |
Service charges on deposit accounts | |||||||||
- | - | - | - | 1,326 | 1,263 | 1,251 | 1,254 | 1,331 | 1,637 |
Net gain (loss) on sales of available for sale securities | |||||||||
- | - | - | 0 | 0 | - | - | - | - | - |
Other than temporary impairment loss on securities | |||||||||
0 | 95 | 0 | 0 | - | - | - | - | - | - |
Net gain on trading account securities | |||||||||
0 | 43 | 200 | - | - | - | - | - | - | - |
Net gain on sales of available for sale securities | |||||||||
- | - | - | - | - | 123 | 1 | 30 | 104 | 153 |
Net gain (loss) on trading account securities | |||||||||
- | - | - | 748 | 440 | 704 | 464 | 217 | 0 | - |
Net gain on sales of loans, residential mortgage | |||||||||
- | - | - | - | 411 | - | - | - | - | - |
Net gain on sales of loans, Small Business Administration | |||||||||
4,569 | 5,493 | 4,204 | 715 | 413 | - | - | - | - | - |
Mortgage banking income | |||||||||
33,007 | 2,318 | 530 | 430 | - | - | - | - | - | - |
Other than temporary impairment loss on securities | |||||||||
- | - | - | - | - | - | - | - | - | 60 |
Unrealized loss on derivative contract | |||||||||
- | - | - | - | - | - | 0 | -39 | -27 | -124 |
Net gain on sales of loans | |||||||||
- | - | - | - | - | 287 | 510 | 197 | 288 | 131 |
Increase in cash surrender value of life insurance | |||||||||
580 | 430 | 433 | 448 | 479 | 496 | 387 | 289 | 314 | 258 |
Gain on life insurance | |||||||||
0 | 0 | 189 | - | - | - | - | - | - | - |
Commission income | |||||||||
324 | 550 | 379 | - | - | - | - | - | - | - |
Real estate lease income | |||||||||
594 | 5 | 0 | - | - | - | - | - | - | - |
Gain on life insurance | |||||||||
- | - | - | 0 | 831 | 0 | - | 324 | 0 | 95 |
Commission income | |||||||||
- | - | - | - | 373 | 331 | 293 | 283 | 250 | 167 |
Real estate lease income | |||||||||
- | - | - | - | 628 | 568 | 317 | 0 | - | - |
Net gain (loss) on premises and equipment | |||||||||
-83 | 25 | 38 | 168 | 0 | - | - | - | - | - |
Income (loss) on tax credit investment | |||||||||
210 | 585 | -226 | - | - | - | - | - | - | - |
Net gain on sale of real estate development | |||||||||
- | - | - | 1,862 | 0 | - | - | - | - | - |
Income on tax credit investment | |||||||||
- | - | - | 4,236 | - | - | - | - | - | - |
Other income | |||||||||
816 | 531 | 145 | 85 | 1,075 | 1,274 | 1,035 | 867 | 748 | 659 |
Total noninterest income | |||||||||
43,854 | 13,295 | 8,625 | 3,372 | 5,976 | 5,046 | 4,258 | 3,422 | 3,008 | 2,916 |
NONINTEREST EXPENSE | |||||||||
Compensation and benefits | |||||||||
42,899 | 19,730 | 15,089 | 12,858 | 11,809 | 11,167 | 10,510 | 9,079 | 8,753 | 8,925 |
Occupancy and equipment | |||||||||
6,094 | 3,629 | 2,788 | 2,698 | 2,622 | 2,555 | 2,260 | 1,875 | 1,796 | 2,125 |
Data processing | |||||||||
1,823 | 2,425 | 1,357 | 1,587 | 1,390 | 1,237 | 1,186 | 1,343 | 1,051 | 1,838 |
Advertising | |||||||||
2,752 | 808 | 538 | 545 | 530 | 400 | 449 | 609 | 384 | 360 |
Professional fees | |||||||||
2,342 | 1,786 | 1,527 | 1,259 | 1,172 | 1,276 | 914 | 979 | 571 | 941 |
FDIC insurance premiums | |||||||||
312 | 580 | 490 | 502 | 460 | 443 | 473 | 368 | 475 | 604 |
Net (gain) loss on other real estate owned | |||||||||
57 | 160 | 113 | -28 | -1 | -230 | -181 | -199 | - | - |
Net loss on other real estate owned | |||||||||
- | - | - | - | - | - | - | - | -406 | -149 |
Other operating expenses | |||||||||
6,225 | 4,208 | 3,275 | 2,958 | 3,015 | 2,964 | 3,159 | 3,012 | 2,872 | 3,078 |
Total noninterest expense | |||||||||
62,390 | 33,006 | 24,951 | 22,435 | 20,999 | 20,272 | 19,132 | 17,464 | 16,308 | 18,020 |
Income (loss) before income taxes | |||||||||
20,090 | 14,758 | 11,833 | 5,589 | 8,327 | 7,467 | 6,507 | 5,745 | 5,693 | 3,437 |
Income tax expense (benefit) | |||||||||
3,095 | 2,422 | 2,520 | -2,322 | 1,576 | 2,077 | 1,811 | 1,458 | 1,679 | 808 |
Net Income (Loss) | |||||||||
16,995 | 12,336 | 9,313 | 7,911 | - | - | - | - | - | - |
Less: net loss attributable to noncontrolling interests | |||||||||
818 | 1,434 | 0 | 0 | - | - | - | - | - | - |
Net Income (Loss) Attributable to First Savings Financial Group, Inc. | |||||||||
16,177 | 10,902 | 9,313 | 7,911 | 6,751 | 5,390 | 4,696 | 4,287 | 4,014 | 2,629 |
Preferred stock dividends declared | |||||||||
- | - | - | 62 | 171 | 171 | 171 | 171 | 115 | - |
Net Income Available to Common Shareholders | |||||||||
- | - | - | 7,849 | 6,580 | 5,219 | 4,525 | 4,116 | 3,899 | 2,629 |
Net income (loss) per share: | |||||||||
Basic | |||||||||
6.99 | 4.83 | 4.20 | 3.57 | 3.07 | 2.46 | 2.09 | 1.90 | 1.82 | 1.17 |
Diluted | |||||||||
6.82 | 4.60 | 3.97 | 3.41 | 2.93 | 2.34 | 1.99 | 1.85 | 1.78 | 1.17 |
Weighted average shares outstanding: | |||||||||
Basic | |||||||||
2,315 | 2,258 | 2,219 | 2,200 | 2,140 | 2,122 | 2,168 | 2,163 | 2,144 | 2,244 |
Diluted | |||||||||
2,372 | 2,372 | 2,346 | 2,303 | 2,247 | 2,229 | 2,269 | 2,230 | 2,189 | 2,244 |
Dividends per share | |||||||||
0.63 | 0.59 | 0.55 | 0.51 | 0.47 | 0.43 | 0.70 | 0.00 | - | - |