First Savings Financial Group, Inc. FSFG Income Statement

First savings financial group, inc. (FSFG)

Income statement / TTM

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
46,347	44,700	42,697	40,257	38,218	36,180	34,057	32,038	30,080	28,434	27,093	25,852	24,738	23,757	22,876	22,240	21,730	21,534	21,439	21,221	21,199	21,106	20,961	20,928	20,849	21,090	21,126	21,336	21,236	20,699	20,611	20,416	20,488	20,606	20,687	21,063	0	0	0
Securities:
Taxable
2,384	2,607	2,769	3,047	3,538	3,620	3,650	3,411	3,090	3,155	3,315	3,539	3,575	3,670	3,691	3,734	3,814	3,837	3,971	4,203	4,354	4,585	4,523	4,475	4,409	4,239	4,255	4,260	4,296	4,164	3,999	3,922	3,964	4,150	4,315	4,054	0	0	0
Tax-exempt
4,091	4,070	4,030	3,949	3,827	3,720	3,551	3,550	3,384	3,186	3,012	2,820	2,679	2,487	2,470	2,452	2,385	2,365	2,226	1,947	1,846	1,781	1,730	1,698	1,620	1,592	1,565	1,516	1,466	1,343	1,222	1,115	1,042	954	851	791	0	0	0
Dividend income
685	676	643	578	489	496	465	424	396	324	313	314	312	313	310	311	311	316	303	282	263	258	245	235	225	194	200	192	182	177	151	138	126	114	112	111	0	0	0
Interest-bearing deposits with banks
840	908	856	716	623	518	436	378	309	233	184	130	109	114	109	97	87	52	48	43	41	39	35	35	35	34	29	22	16	11	11	13	17	19	18	19	0	0	0
Total interest income
54,347	52,961	50,995	48,547	46,695	44,534	42,159	39,801	37,259	35,332	33,917	32,655	31,413	30,341	29,456	28,834	28,327	28,104	27,987	27,696	27,703	27,769	27,494	27,371	27,138	27,149	27,175	27,326	27,196	26,394	25,994	25,604	25,637	25,843	25,983	26,038	0	0	0
INTEREST EXPENSE
Deposits
7,287	7,269	6,944	6,367	5,641	4,841	4,279	3,723	3,190	3,012	2,762	2,551	2,552	2,518	2,490	2,462	2,366	2,369	2,427	2,416	2,411	2,411	2,381	2,426	2,479	2,612	2,799	3,064	3,239	3,364	3,476	3,535	3,688	3,818	3,968	4,142	0	0	0
Federal funds purchased
0	-	-	-	0	-	-	-	-	-	23	22	8	4	1	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repurchase agreements
1	2	3	4	3	3	3	2	3	3	3	4	3	3	3	2	3	3	3	3	3	3	3	4	5	5	6	8	8	9	67	148	230	305	325	324	0	0	0
Borrowings from Federal Home Loan Bank
3,329	3,011	2,681	2,792	1,895	1,990	2,022	1,563	1,990	1,773	1,669	1,625	1,581	1,575	1,512	1,446	1,359	1,275	1,172	1,087	1,023	956	968	971	993	1,017	1,059	1,105	1,155	1,155	1,132	1,105	1,073	1,081	1,092	1,095	0	0	0
Other borrowings
1,274	1,273	1,277	516	673	355	33	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	163	163	168	176	182	191	194	203	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-
Loans payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	0	0	-	-	-	-	-	-
Total interest expense
11,893	11,556	10,906	9,679	8,212	7,189	6,337	5,766	5,199	4,808	4,457	4,242	4,225	4,221	4,167	4,073	3,891	3,815	3,778	3,688	3,628	3,564	3,555	3,605	3,641	3,763	3,936	4,200	4,415	4,528	4,675	4,788	4,991	5,204	5,385	5,561	0	0	0
Net interest income
42,454	41,405	40,089	38,868	38,483	37,345	35,822	34,035	32,060	30,524	29,460	28,413	27,188	26,120	25,289	24,761	24,436	24,289	24,209	24,008	24,075	24,205	23,939	23,766	23,497	23,386	23,239	23,126	22,781	21,866	21,319	20,816	20,646	20,639	20,598	20,477	0	0	0
Provision for loan losses
3,018	1,653	1,463	1,246	1,175	1,206	1,353	1,398	1,453	1,457	1,301	1,211	1,193	943	637	660	565	652	859	969	1,061	1,152	1,246	1,200	1,460	1,707	1,858	2,197	1,945	1,665	1,532	1,428	1,555	1,572	1,605	1,374	0	0	0
Net interest income after provision for loan losses
39,436	39,752	38,626	37,622	37,308	36,139	34,469	32,637	30,607	29,067	28,159	27,202	25,995	25,177	24,652	24,101	23,871	23,637	23,350	23,039	23,014	23,053	22,693	22,566	22,037	21,679	21,381	20,929	20,836	20,201	19,787	19,388	19,091	19,067	18,993	19,103	0	0	0
NONINTEREST INCOME
Service charges on deposit accounts
1,947	1,955	1,957	1,905	0	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ATM and interchange fees
2,077	1,999	1,949	1,907	1,817	1,670	1,580	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of available for sale securities and time deposits
0	-	-	0	0	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net unrealized gain on equity securities
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Service charges on deposit accounts
-	-	-	-	-	-	-	-	-	-	-	-	1,259	1,235	-	1,226	1,254	1,277	1,326	1,337	1,342	1,316	1,263	1,249	1,231	1,231	1,251	1,311	1,296	1,291	1,254	1,173	1,232	1,271	1,331	1,427	0	0	0
Net gain (loss) on sales of available for sale securities
-	-	-	-	-	-	-	-	0	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other than temporary impairment loss on securities
-	-	-	0	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on trading account securities
-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of available for sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	123	123	1	1	1	13	31	31	30	54	36	36	104	102	0	0	0
Net gain (loss) on trading account securities
-	-	-	-	-	-	-	-	362	632	-	148	249	289	748	948	708	546	440	337	502	618	704	835	595	519	464	387	448	319	217	0	0	0	-	-	-	-	-
Net gain on sales of loans, residential mortgage
-	-	-	-	-	-	-	-	-	-	-	459	431	441	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sales of loans, Small Business Administration
5,074	4,366	4,569	3,908	3,951	4,918	5,493	6,048	5,428	4,889	4,204	2,943	2,428	1,479	715	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage banking income
48,733	45,535	33,007	20,033	10,513	5,492	2,318	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Unrealized loss on derivative contract
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-16	-4	-2	0	0	-20	-31	-39	-62	-80	-80	-27	-14	0	0	0
Net gain on sales of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	316	302	295	287	287	450	480	510	497	303	270	197	139	222	216	288	292	0	0	0
Increase in cash surrender value of life insurance
678	631	580	520	475	434	430	440	433	431	433	428	434	442	448	453	461	466	479	496	510	527	496	462	427	406	387	357	331	290	289	305	314	311	314	294	0	0	0
Commission income
300	294	324	320	0	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Real estate lease income
582	587	594	438	319	163	5	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on life insurance
-	-	-	-	-	-	-	-	-	-	-	189	189	189	0	831	0	0	-	0	-	-	-	0	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-
Commission income
-	-	-	-	-	-	-	-	-	-	-	-	361	292	-	395	418	455	373	374	359	325	331	285	285	282	293	306	296	302	283	292	299	276	250	215	0	0	0
Real estate lease income
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	659	653	640	628	615	608	577	568	545	474	414	317	190	104	45	0	0	0	0	-	-	-	-	-
Net gain (loss) on premises and equipment
-101	-88	-83	21	19	19	25	0	0	0	-	-	191	175	168	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income on tax credit investment
-	-	-	0	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on tax credit investment
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	0	0	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other income
694	777	816	681	683	648	531	-445	-281	-180	145	269	224	236	85	1,177	1,150	1,125	1,075	1,080	1,000	1,271	1,274	1,305	1,360	1,031	1,035	947	908	909	867	850	827	796	748	699	0	0	0
Total noninterest income
60,104	56,199	43,854	30,082	20,692	16,170	13,295	11,493	10,362	9,656	8,625	9,101	4,402	3,803	3,372	1,980	6,493	6,309	5,976	5,395	4,749	5,053	5,046	5,075	4,819	4,362	4,258	4,011	4,021	3,750	3,422	3,103	2,850	2,826	3,008	3,015	0	0	0
NONINTEREST EXPENSE
Compensation and benefits
60,129	53,462	42,899	33,400	26,808	22,976	19,730	17,586	16,310	15,559	15,089	14,310	13,688	12,836	12,858	12,765	12,539	12,371	11,809	11,343	11,096	11,189	11,167	11,136	10,909	10,673	10,510	10,311	10,122	9,811	9,079	8,959	8,763	8,637	8,753	9,025	0	0	0
Occupancy and equipment
7,260	6,691	6,094	5,387	4,709	4,212	3,629	3,357	3,162	2,930	2,788	2,645	2,616	2,646	2,698	2,734	2,739	2,670	2,622	2,585	2,536	2,526	2,555	2,513	2,538	2,408	2,260	2,120	1,937	1,862	1,875	1,856	1,833	1,849	1,796	1,897	0	0	0
Data processing
1,965	1,898	1,823	1,800	1,760	2,505	2,425	2,305	2,226	1,330	1,357	1,409	1,522	1,608	1,587	1,561	1,428	1,362	1,390	1,358	1,362	1,308	1,237	1,216	1,165	1,186	1,186	1,156	1,346	1,352	1,343	1,297	1,118	1,067	1,051	1,358	0	0	0
Advertising
5,032	3,822	2,752	2,041	1,476	1,087	808	632	596	548	538	542	547	552	545	484	512	524	530	538	513	439	400	411	373	411	449	440	466	435	609	627	581	571	384	319	0	0	0
Professional fees
2,527	2,509	2,342	2,022	1,884	1,873	1,786	1,844	1,893	1,695	1,527	1,288	1,148	1,172	1,259	1,265	1,268	1,150	1,172	1,131	1,159	1,345	1,276	1,206	1,059	929	914	918	1,056	1,027	979	868	708	633	571	630	0	0	0
FDIC insurance premiums
237	250	312	488	511	527	580	530	508	499	490	485	488	491	502	478	479	472	460	450	445	432	443	441	462	479	473	468	418	397	368	309	375	426	475	609	0	0	0
Net (gain) loss on other real estate owned
45	31	57	33	-4	25	160	161	182	179	113	154	131	136	-28	-77	-30	-70	-1	-23	-143	-165	-230	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Net loss on other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-272	-284	-391	-406	-348	0	0	0
Other operating expenses
7,336	6,645	6,225	5,822	5,409	4,885	4,208	3,810	3,573	3,411	3,275	3,107	3,039	2,914	2,958	2,902	2,878	2,898	3,015	3,056	3,083	3,078	2,964	2,977	3,023	3,206	3,159	3,218	3,162	2,926	3,012	2,929	2,942	2,931	2,872	2,863	0	0	0
Total noninterest expense
84,441	75,246	62,390	50,927	42,561	38,040	33,006	29,903	28,086	25,793	24,951	23,632	22,917	22,083	22,435	22,266	21,873	21,517	20,999	20,484	20,337	20,482	20,272	20,098	19,721	19,477	19,132	18,797	18,693	18,048	17,464	17,117	16,604	16,505	16,308	17,049	0	0	0
Income (loss) before income taxes
15,099	20,705	20,090	16,777	15,439	14,269	14,758	14,227	12,883	12,930	11,833	12,671	7,480	6,897	5,589	3,815	8,491	8,429	8,327	7,950	7,426	7,624	7,467	7,543	7,135	6,564	6,507	6,143	6,164	5,903	5,745	5,374	5,337	5,388	5,693	5,069	0	0	0
Income tax expense (benefit)
1,971	3,211	3,095	2,502	2,450	2,322	2,422	2,496	2,386	2,461	2,520	2,891	-2,084	-2,108	-2,322	-3,118	1,589	1,635	1,576	1,657	1,873	2,062	2,077	2,154	2,061	1,856	1,811	1,675	1,565	1,510	1,458	1,391	1,503	1,548	1,679	1,392	0	0	0
Net Income (Loss)
13,128	17,494	16,995	14,275	12,989	11,947	12,336	11,731	10,497	10,469	9,313	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Less: net loss attributable to noncontrolling interests
603	809	818	675	675	1,520	1,434	1,234	663	87	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income (Loss) Attributable to First Savings Financial Group, Inc.
12,525	16,685	16,177	13,600	12,314	10,427	10,902	10,497	9,834	10,382	9,313	9,780	9,564	9,005	7,911	6,933	6,902	6,794	6,751	6,293	5,553	5,562	5,390	5,389	5,074	4,708	4,696	4,468	4,599	4,393	4,287	3,983	3,834	3,840	4,014	3,677	0	0	0
Preferred stock dividends declared
-	-	-	-	-	-	-	-	-	-	-	-	-	-	62	104	147	171	171	171	171	171	171	171	171	171	171	171	171	171	171	0	0	0	-	-	-	-	-
Net Income Available to Common Shareholders
-	-	-	-	-	-	-	-	-	-	-	-	-	-	7,849	6,829	6,755	6,623	6,580	6,122	5,382	5,391	5,219	5,218	4,903	4,537	4,525	4,297	4,428	4,222	4,116	3,739	3,633	3,682	3,899	0	0	0	-
Net income (loss) per share:
Unrealized holding gains (losses) arising during the period
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Less: reclassification adjustment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Unrealized gain (loss) on securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Reclassification adjustment - net realized loss on settlement of pension plan
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Other comprehensive income (loss)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Comprehensive Income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
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
-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Financial Service, Other [Member]
Revenue from Contract with Customer
-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-