First Savings Financial Group, Inc. FSFG Income Statement

First savings financial group, inc. (FSFG)

Income statement / Quarterly

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Jun'10
INTEREST INCOME
Loans, including fees
11,858	11,813	11,771	10,905	10,211	9,810	9,331	8,866	8,173	7,687	7,312	6,908	6,527	6,346	6,071	5,794	5,546	5,465	5,435	5,284	5,350	5,370	5,217	5,262	5,257	5,225	5,184	5,183	5,498	5,261	5,394	5,083	4,961	5,173	5,199	5,155	5,079	5,254	5,575
Securities:
Taxable
504	585	585	710	727	747	863	1,201	809	777	624	880	874	937	848	916	969	958	891	996	992	1,092	1,123	1,147	1,223	1,030	1,075	1,081	1,053	1,046	1,080	1,117	921	881	1,003	1,159	1,107	1,046	742
Tax-exempt
1,027	1,010	1,012	1,042	1,006	970	931	920	899	801	930	754	701	627	738	613	509	610	720	546	489	471	441	445	424	420	409	367	396	393	360	317	273	272	253	244	185	169	193
Dividend income
151	154	184	196	142	121	119	107	149	90	78	79	77	79	79	77	78	76	80	77	83	63	59	58	78	50	49	48	47	56	41	38	42	30	28	26	30	28	27
Interest-bearing deposits with banks
153	205	277	205	221	153	137	112	116	71	79	43	40	22	25	22	45	17	13	12	10	13	8	10	8	9	8	10	7	4	1	4	2	4	3	8	4	3	4
Total interest income
13,693	13,767	13,829	13,058	12,307	11,801	11,381	11,206	10,146	9,426	9,023	8,664	8,219	8,011	7,761	7,422	7,147	7,126	7,139	6,915	6,924	7,009	6,848	6,922	6,990	6,734	6,725	6,689	7,001	6,760	6,876	6,559	6,199	6,360	6,486	6,592	6,405	6,500	6,541
INTEREST EXPENSE
Deposits
1,625	1,749	1,965	1,948	1,607	1,424	1,388	1,222	807	862	832	689	629	612	621	690	595	584	593	594	598	642	582	589	598	612	627	642	731	799	892	817	856	911	951	970	986	1,061	1,125
Federal funds purchased
1	-	-	-	0	-	-	-	-	-	2	14	4	3	1	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repurchase agreements
0	0	0	1	1	1	1	0	1	1	0	1	1	1	1	0	1	1	0	1	1	1	0	1	1	1	1	2	1	2	3	2	2	60	84	84	77	80	83
Borrowings from Federal Home Loan Bank
838	808	785	898	520	478	896	1	615	510	437	428	398	406	393	384	392	343	327	297	308	240	242	233	241	252	245	255	265	294	291	305	265	271	264	273	273	282	267
Other borrowings
319	318	318	319	318	322	-443	476	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	41	40	40	42	41	45	48	48	50	48	57	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10	-	-	-	-	-	-	-	-	-	-	-
Loans payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13	0	-	0	0	-	-	-	-	-	-
Total interest expense
2,783	2,875	3,069	3,166	2,446	2,225	1,842	1,699	1,423	1,373	1,271	1,132	1,032	1,022	1,056	1,115	1,028	968	962	933	952	931	872	873	888	922	922	909	1,010	1,095	1,186	1,124	1,123	1,242	1,299	1,327	1,336	1,423	1,475
Net interest income
10,910	10,892	10,760	9,892	9,861	9,576	9,539	9,507	8,723	8,053	7,752	7,532	7,187	6,989	6,705	6,307	6,119	6,158	6,177	5,982	5,972	6,078	5,976	6,049	6,102	5,812	5,803	5,780	5,991	5,665	5,690	5,435	5,076	5,118	5,187	5,265	5,069	5,077	5,066
Provision for loan losses
1,705	505	471	337	340	315	254	266	371	462	299	321	375	306	209	303	125	0	232	208	212	207	342	300	303	301	296	560	550	452	635	308	270	319	531	435	287	352	300
Net interest income after provision for loan losses
9,205	10,387	10,289	9,555	9,521	9,261	9,285	9,241	8,352	7,591	7,453	7,211	6,812	6,683	6,496	6,004	5,994	6,158	5,945	5,774	5,760	5,871	5,634	5,749	5,799	5,511	5,507	5,220	5,441	5,213	5,055	5,127	4,806	4,799	4,656	4,830	4,782	4,725	4,766
NONINTEREST INCOME
Service charges on deposit accounts
441	509	513	484	449	511	-	461	399	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ATM and interchange fees
524	503	521	529	446	453	479	439	299	363	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of available for sale securities and time deposits
7	-	-	-56	1	-	-	99	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net unrealized gain on equity securities
-29	2	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Service charges on deposit accounts
-	-	-	-	-	-	-	-	-	-	-	-	306	336	-	289	282	322	333	317	305	371	344	322	279	318	330	304	279	338	390	289	274	301	309	348	313	361	405
Net gain (loss) on sales of available for sale securities
-	-	-	-	-	-	-	-	0	-	-	30	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other than temporary impairment loss on securities
-	-	-	0	-	-	-	95	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on trading account securities
-	-	-	0	-	-	-	-48	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of available for sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	122	0	1	0	0	0	1	12	18	0	0	36	0	0	68	34
Net gain (loss) on trading account securities
-	-	-	-	-	-	-	-	-59	150	-	184	211	-282	35	285	251	177	235	45	89	71	132	210	205	157	263	-30	129	102	186	31	0	0	-	-	-	-	-
Net gain on sales of loans, residential mortgage
-	-	-	-	-	-	-	-	-	-	-	104	87	151	-	76	97	140	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of loans, Small Business Administration
1,229	761	1,569	1,515	521	964	908	1,558	1,488	1,539	1,463	938	949	854	202	423	0	90	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage banking income
8,272	15,817	15,033	9,611	5,074	3,289	2,059	91	53	115	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Unrealized loss on derivative contract
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-1	-	-	-5	-3	-2	-6	7	-1	0	-6	-13	-12	-8	-29	-31	-12	45	-16
Net gain on sales of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	86	49	85	96	72	42	77	96	235	72	107	83	41	39	34	25	124	33	106	29
Increase in cash surrender value of life insurance
194	162	165	157	147	111	105	112	106	107	115	105	104	109	110	111	112	115	115	119	117	128	132	133	134	97	98	98	113	78	68	72	72	77	84	81	69	80	64
Commission income
83	27	103	87	77	57	-	99	98	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Real estate lease income
152	151	158	121	157	158	2	2	1	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on life insurance
-	-	-	-	-	-	-	-	-	-	-	0	0	189	0	0	0	0	-	831	-	-	-	0	-	-	-	-	-	-	-	321	-	-	-	-	-	-	-
Commission income
-	-	-	-	-	-	-	-	-	-	-	-	139	66	-	69	70	143	113	92	107	61	114	77	73	67	68	77	70	78	81	67	76	59	90	74	53	33	55
Real estate lease income
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	170	163	163	163	164	150	151	150	157	119	142	127	86	59	45	0	0	0	0	-	-	-	-	-
Net gain (loss) on premises and equipment
-5	-4	-99	7	8	1	5	5	8	7	-	-	16	7	168	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income on tax credit investment
-	-	-	0	-	-	-	340	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on tax credit investment
-	-	-	-	-	-	-	-	-	-	-	-	226	-	-	4,309	0	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other income
126	198	181	189	209	237	46	191	174	120	-930	355	275	445	-806	310	287	294	286	283	262	244	291	203	533	247	322	258	204	251	234	219	205	209	217	196	174	161	168
Total noninterest income
10,994	18,126	18,340	12,644	7,089	5,781	4,568	3,254	2,567	2,906	2,766	2,123	1,861	1,875	3,242	-2,576	1,262	1,444	1,850	1,937	1,078	1,111	1,269	1,291	1,382	1,104	1,298	1,035	925	1,000	1,051	1,045	654	672	732	792	630	854	739
NONINTEREST EXPENSE
Compensation and benefits
14,907	17,820	15,697	11,705	8,240	7,257	6,198	5,113	4,408	4,011	4,054	3,837	3,657	3,541	3,275	3,215	2,805	3,563	3,182	2,989	2,637	3,001	2,716	2,742	2,730	2,979	2,685	2,515	2,494	2,816	2,486	2,326	2,183	2,084	2,366	2,130	2,057	2,200	2,638
Occupancy and equipment
1,989	1,922	1,777	1,572	1,420	1,325	1,070	894	923	742	798	699	691	600	655	670	721	652	691	675	652	604	654	626	642	633	612	651	512	485	472	468	437	498	453	445	453	445	554
Data processing
546	502	469	448	479	427	446	408	1,224	347	326	329	328	374	378	442	414	353	352	309	348	381	320	313	294	310	299	262	315	310	269	452	321	301	223	273	270	285	530
Advertising
1,777	1,466	1,062	727	567	396	351	162	178	117	175	126	130	107	179	131	135	100	118	159	147	106	126	134	73	67	137	96	111	105	128	122	80	279	146	76	70	92	81
Professional fees
522	627	870	508	504	460	550	370	493	373	608	419	295	205	369	279	319	292	375	282	201	314	334	310	387	245	264	163	257	230	268	301	228	182	157	141	153	120	216
FDIC insurance premiums
99	4	22	112	112	66	198	135	128	119	148	113	119	110	143	116	122	121	119	117	115	109	109	112	102	120	107	133	119	114	102	83	98	85	43	149	149	134	177
Net (gain) loss on other real estate owned
7	-5	13	30	-7	21	-11	-7	22	156	-10	14	19	90	31	-9	24	-74	-18	38	-16	-5	-40	-82	-38	-70	-	-	-	-	-	-	-	-	-	-	-	-	-
Net loss on other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-76	-31	-66	-	-96	-83	-27	-66	-108	-190	-42	-8
Other operating expenses
2,242	1,926	1,722	1,446	1,551	1,506	1,319	1,033	1,027	829	921	796	865	693	753	728	740	737	697	704	760	854	738	731	755	740	751	777	938	693	810	721	702	779	727	734	691	720	718
Total noninterest expense
22,075	24,272	21,606	16,488	12,880	11,416	10,143	8,122	8,359	6,382	7,040	6,305	6,066	5,540	5,721	5,590	5,232	5,892	5,552	5,197	4,876	5,374	5,037	5,050	5,021	5,164	4,863	4,673	4,777	4,819	4,528	4,569	4,132	4,235	4,181	4,056	4,033	4,038	4,922
Income (loss) before income taxes
-1,876	4,241	7,023	5,711	3,730	3,626	3,710	4,373	2,560	4,115	3,179	3,029	2,607	3,018	4,017	-2,162	2,024	1,710	2,243	2,514	1,962	1,608	1,866	1,990	2,160	1,451	1,942	1,582	1,589	1,394	1,578	1,603	1,328	1,236	1,207	1,566	1,379	1,541	583
Income tax expense (benefit)
-774	638	1,359	748	466	522	766	696	338	622	840	586	413	681	1,211	-4,389	389	467	415	318	435	408	496	534	624	423	573	441	419	378	437	331	364	326	370	443	409	457	83
Net Income (Loss)
-1,102	3,603	5,664	4,963	3,264	3,104	2,944	3,677	2,222	3,493	2,339	2,443	2,194	2,337	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Less: net loss attributable to noncontrolling interests
-475	164	343	571	-269	173	200	571	576	87	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income (Loss) Attributable to First Savings Financial Group, Inc.
-627	3,439	5,321	4,392	3,533	2,931	2,744	3,106	1,646	3,406	2,339	2,443	2,194	2,337	2,806	2,227	1,635	1,243	1,828	2,196	1,527	1,200	1,370	1,456	1,536	1,028	1,369	1,141	1,170	1,016	1,141	1,272	964	910	837	1,123	970	1,084	500
Preferred stock dividends declared
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	19	43	42	43	43	43	42	43	43	43	42	43	43	43	42	43	43	43	-	-	-	-	-
Net Income Available to Common Shareholders
-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,806	2,227	1,616	1,200	1,786	2,153	1,484	1,157	1,328	1,413	1,493	985	1,327	1,098	1,127	973	1,099	1,229	921	867	722	1,123	970	1,084	-
Net income (loss) per share:
Unrealized holding gains (losses) arising during the period
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	731
Less: reclassification adjustment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21
Unrealized gain (loss) on securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	710
Reclassification adjustment - net realized loss on settlement of pension plan
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-428
Other comprehensive income (loss)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	282
Comprehensive Income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	782
Basic
-0.27	1.47	2.30	1.88	1.53	1.28	1.20	1.37	0.73	1.53	1.05	1.10	0.99	1.06	1.28	1.01	0.73	0.55	0.83	1.00	0.69	0.55	0.62	0.68	0.70	0.46	0.61	0.51	0.52	0.45	0.50	0.57	0.43	0.40	0.33	0.53	0.46	0.50	0.23
Diluted
-0.26	1.44	2.23	1.85	1.50	1.24	1.16	1.31	0.69	1.44	0.99	1.04	0.94	1.00	1.22	0.97	0.70	0.52	0.80	0.95	0.66	0.52	0.60	0.64	0.66	0.44	0.58	0.48	0.50	0.43	0.50	0.55	0.41	0.39	0.33	0.51	0.44	0.50	0.23
Weighted average shares outstanding:
Basic
2,355	2,340	2,337	2,333	2,307	2,284	2,277	2,274	2,251	2,228	2,225	2,225	2,220	2,205	2,204	2,204	2,204	2,186	2,161	2,149	2,138	2,111	2,100	2,092	2,140	2,158	2,182	2,173	2,162	2,155	-2,150,009	2,167	2,156	2,154,339	-2,123,154	2,134	2,127,440	2,156	-
Diluted
2,379	2,382	2,383	2,373	2,360	2,371	2,382	2,378	2,370	2,358	2,358	2,351	2,344	2,329	2,307	2,306	2,303	2,297	2,269	2,259	2,245	2,217	2,206	2,201	2,248	2,260	2,293	2,277	2,268	2,237	-2,206,962	2,237	2,222	2,211,424	-2,180,857	2,188	2,185,246	2,180	-
Dividends per share
0.17	0.16	0.16	0.16	0.16	0.15	0.15	0.15	0.15	0.14	0.14	0.14	0.14	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.12	0.11	0.11	0.11	0.11	0.10	0.10	0.10	0.10	0.40	0.00	0.00	0.00	0.00	-	-	-	-	-
Deposit Account [Member]
Revenue from Contract with Customer
-	-	-	-	-	-	-	-	-	377	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Financial Service, Other [Member]
Revenue from Contract with Customer
-	-	-	-	-	-	-	-	-	128	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-