0001104659-23-011611.txt : 20230207 0001104659-23-011611.hdr.sgml : 20230207 20230207123117 ACCESSION NUMBER: 0001104659-23-011611 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20230206 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230207 DATE AS OF CHANGE: 20230207 FILER: COMPANY DATA: COMPANY CONFORMED NAME: First Savings Financial Group, Inc. CENTRAL INDEX KEY: 0001435508 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 371567871 STATE OF INCORPORATION: IN FISCAL YEAR END: 0930 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34155 FILM NUMBER: 23593694 BUSINESS ADDRESS: STREET 1: 702 NORTH SHORE DRIVE STREET 2: SUITE 300 CITY: JEFFERSONVILLE STATE: IN ZIP: 47130 BUSINESS PHONE: 812-283-0724 MAIL ADDRESS: STREET 1: 702 NORTH SHORE DRIVE STREET 2: SUITE 300 CITY: JEFFERSONVILLE STATE: IN ZIP: 47130 FORMER COMPANY: FORMER CONFORMED NAME: First Savings Financial Group Inc DATE OF NAME CHANGE: 20080519 8-K 1 tm235734d1_8k.htm FORM 8-K
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SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

 

PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

 

Date of Report (Date of earliest event reported): February 6, 2023

 

FIRST SAVINGS FINANCIAL GROUP, INC.

(Exact Name of Registrant as Specified in Charter)

 

Indiana 001-34155 37-1567871
(State or Other Jurisdiction of
Incorporation)		 (Commission File
No.)		 (I.R.S. Employer
Identification No.)

 

702 North Shore Drive, Suite 300, Jeffersonville, Indiana 47130
(Address of Principal Executive Offices) (Zip Code)

 

Registrant’s telephone number, including area code: (812) 283-0724

 

Not Applicable

(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Common Stock, par value $0.01 per share   FSFG   The Nasdaq Stock Market LLC

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ¨

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

 

 

 

 

 

 

Item 2.02.Results of Operations and Financial Condition.

 

On February 6, 2023, First Savings Financial Group, Inc. announced its financial results for the three months ended December 31, 2022. The press release announcing the financial results for the three months ended December 31, 2022 is furnished as Exhibit 99.1 and incorporated herein by reference.

 

Item 9.01.Financial Statements and Exhibits.

 

(a)Not applicable.

 

(b)Not applicable.

 

(c)Not applicable.

 

(d)Exhibits

 

 99.1Press release dated February 6, 2023
   
104Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

 

 

 

SIGNATURE

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

 

  FIRST SAVINGS FINANCIAL GROUP, INC.
     
     
Date:  February 6, 2023 By: /s/ Tony A. Schoen
    Tony A. Schoen
  Chief Financial Officer

  

 

 

 

 

 EX-99.1 2 tm235734d1_ex99-1.htm EXHIBIT 99.1

Exhibit 99.1

 

FIRST SAVINGS FINANCIAL GROUP, INC. REPORTS FINANCIAL RESULTS FOR THE FIRST FISCAL QUARTER ENDED DECEMBER 31, 2022

 

Jeffersonville, Indiana — February 6, 2023. First Savings Financial Group, Inc. (NASDAQ: FSFG - news) (the “Company”), the holding company for First Savings Bank (the “Bank”), today reported net income of $2.9 million, or $0.41 per diluted share, for the quarter ended December 31, 2022 compared to net income of $4.3 million, or $0.60 per diluted share, for the quarter ended December 31, 2021.

 

Commenting on the Company’s performance, Larry W. Myers, President and CEO, stated “This first quarter of fiscal 2023 was challenging and included a number of generally nonrecurring items that adversely affected net income. The core banking segment recognized higher than normal provisions for loan losses due primarily to a $109 million increase in gross loans for the quarter. The SBA lending segment recognized a $351,000 impairment for the loan servicing asset due to the high-rate environment. And, due to restructuring during the quarter, the mortgage banking segment recognized approximately $1.8 million of expense that will not be recognized in future periods. This restructuring in mortgage banking included changes in leadership, elimination of surplus staffing positions, closure of nonperforming loan production offices (“LPOs”), and reduction in third-party and vendor related expenses. As part of the restructuring, the Bank has strategically focused on a predominately Midwest footprint for LPOs and a greater alignment of these with the core banking operations. While some expenses associated with the restructuring will be recognized in the quarter ending March 31, 2023, we are confident that this restructuring and realignment will result in the cessation of the significant losses recognized by the mortgage banking segment in recent quarters. The core banking segment continues to perform well and asset quality remains strong, but it’s increasing facing margin compression as funding costs increase in this rate environment, particularly those associated with wholesale funding sources such as home loan bank advances and brokered deposits. We are encouraged by the strong performance of the core banking segment and are optimistic for enhanced performance of the SBA lending and mortgage banking segments in future periods. Lastly, the Company repurchased 73,392 of its common shares during the quarter, in addition to the 199,195 purchased in the third and fourth quarters of fiscal 2022, which together totaled more than 3.8% of outstanding shares.”

 

Results of Operations for the Three Months Ended December 31, 2022 and 2021

 

Net interest income increased $2.4 million, or 17.0%, to $16.3 million for the three months ended December 31, 2022 as compared to the same period 2021. The increase in net interest income was due to a $7.7 million increase in interest income, partially offset by a $5.4 million increase in interest expense. Interest income increased due to an increase in the average balance of interest-earning assets of $449.5 million, from $1.53 billion for 2021 to $1.98 billion for 2022, and an increase in the weighted-average tax-equivalent yield, from 4.22% for 2021 to 4.87% for 2022. The increase in the average balance of interest-earning assets was primarily due to increases in the average balance of investment securities and total loans of $152.3 million and $310.2 million, respectively. When excluding the impact from PPP loan payoffs, the increase in the average balance of loans was $360.7 million when comparing the two periods. Interest expense increased due to an increase in the average balance of interest-bearing liabilities of $415.1 million, from $1.20 billion for 2021 to $1.61 billion for 2022, and an increase in the average cost of interest-bearing liabilities, from 0.62% for 2021 to 1.79% for 2022. The increase in the average cost of interest-bearing liabilities for 2022 was due primarily to higher rates paid for brokered deposits and money market deposit accounts during the period.

 

 

 

  

The Company recognized a provision for loan losses of $984,000 for the three months ended December 31, 2022 due primarily to loan portfolio growth, compared to a provision of $526,000 for the same period in 2021. Nonperforming loans, which consist of nonaccrual loans and loans over 90 days past due and still accruing interest, increased $667,000 from $10.9 million at September 30, 2022 to $11.5 million at December 31, 2022. The Company recognized net charge-offs of $264,000 for the three months ended December 31, 2022, of which $247,000 was related to unguaranteed portions of SBA loans, compared to net charge-offs of $47,000 in 2021.

 

Noninterest income decreased $11.4 million for the three months ended December 31, 2022 as compared to the same period in 2021. The decrease was due primarily to decreases in mortgage banking income and net gain on sale of SBA loans of $10.2 million and $861,000, respectively. The decrease in mortgage banking income was primarily due to a $3.9 million decrease in production revenue from lower originations for sale, a $4.4 million decrease in capitalized residential mortgage loan servicing rights, a $1.2 million decrease in realized and unrealized hedging gains in 2022 and a $1.2 million decrease in the fair value of the residential mortgage loan servicing rights portfolio in 2022 as compared to a $675,000 increase in fair value recognized in 2021, partially offset by a $1.3 million increase in the fair value of loans held for sale and interest rate lock commitments as compared to a $222,000 decrease in fair value recognized in 2021. Mortgage loans originated for sale were $77.6 million in the three months ended December 31, 2022 as compared to $541.1 million in 2021. The decrease in net gain on sales of SBA loans was due primarily to decreases in production and sales volume from the SBA lending segment, and lower premiums in the secondary market.

 

Noninterest expense decreased $7.3 million for the three months ended December 31, 2022 as compared to the same period in 2021. The decrease was due primarily to a decrease in compensation and benefits of $6.6 million. The decrease in compensation and benefits expense was due primarily to a reduction in staff and incentive compensation for the Company’s mortgage banking segment as a result of decreased mortgage banking income.

 

The Company recognized an income tax expense of $83,000 for the three months ended December 31, 2022 compared to tax expense of $811,000 for the same period in 2021. The effective tax rate for 2022 was 2.8%, which was a decrease from the effective tax rate of 15.9% in 2021. The decrease was due to recognition of solar tax credits in 2022 and reduction of pre-tax net income in 2022 as compared to 2021.

 

Comparison of Financial Condition at December 31, 2022 and September 30, 2022

 

Total assets increased $103.2 million, from $2.09 billion at September 30, 2022 to $2.20 billion at December 31, 2022. Net loans held for investment increased $108.4 million during the quarter ended December 31, 2022, due primarily to growth in single-tenant net lease commercial real estate loans and residential mortgage loans.

 

Total liabilities increased $94.6 million due primarily to increases in total deposits, FHLB borrowings and other borrowings of $22.0 million, $70.3 million and $7.3 million, respectively. The increase in FHLB borrowings was primarily used to fund loan growth. The increase in other borrowings represents commercial loan transfers that were accounted for as secured borrowings.

 

Common stockholders’ equity increased $8.6 million, from $151.6 million at September 30, 2022 to $160.1 million at December 31, 2022, due primarily to increases in accumulated other comprehensive income and retained net income of $8.1 million and $2.0 million, respectively. The increase in accumulated other comprehensive income was primarily due to decreasing market interest rates during the three months ended December 31, 2022, which resulted in an increase in the fair value of the available-for-sale securities portfolio. At December 31, 2022 and September 30, 2022, the Bank was considered “well-capitalized” under applicable regulatory capital guidelines.

 

 

 

  

First Savings Bank is an entrepreneurial community bank headquartered in Jeffersonville, Indiana, which is directly across the Ohio River from Louisville, Kentucky, and operates fifteen depository branches within Southern Indiana. The Bank also has three national lending programs, including single-tenant net lease commercial real estate, SBA lending and residential mortgage banking, with offices located throughout the United States. The Bank is a recognized leader, both in its local communities and nationally for its lending programs. The employees of First Savings Bank strive daily to achieve the organization’s vision, We Expect To Be The BEST community BANK, which fuels our success. The Company’s common shares trade on The NASDAQ Stock Market under the symbol “FSFG.”

 

This release may contain forward-looking statements within the meaning of the federal securities laws. These statements are not historical facts; rather, they are statements based on the Company's current expectations regarding its business strategies and their intended results and its future performance. Forward-looking statements are preceded by terms such as “expects,” “believes,” “anticipates,” “intends” and similar expressions.

 

Forward-looking statements are not guarantees of future performance. Numerous risks and uncertainties could cause or contribute to the Company's actual results, performance and achievements to be materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, changes in general economic conditions, including the duration, extent and severity of the COVID-19 pandemic, including its effect on our customers, service providers and on the economy and financial markets in general; changes in market interest rates; changes in monetary and fiscal policies of the federal government; legislative and regulatory changes; and other factors disclosed periodically in the Company's filings with the Securities and Exchange Commission.

 

Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this report or made elsewhere from time to time by the Company or on its behalf. Except as may be required by applicable law or regulation, the Company assumes no obligation to update any forward-looking statements.

 

Contact:

Tony A. Schoen, CPA

Chief Financial Officer

812-283-0724

 

 

 

 

FIRST SAVINGS FINANCIAL GROUP, INC.

CONSOLIDATED FINANCIAL HIGHLIGHTS

(Unaudited)

 

* All share and per share amounts have been adjusted to reflect the three-for-one stock split effective September 15, 2021.

       

   Three Months Ended 
OPERATING DATA:  December 31, 
(In thousands, except share and per share data)  2022   2021 
         
Total interest income  $23,483   $15,762 
Total interest expense   7,222    1,859 
           
Net interest income   16,261    13,903 
Provision for loan losses   984    526 
           
Net interest income after provision for loan losses   15,277    13,377 
           
Total noninterest income   5,188    16,591 
Total noninterest expense   17,511    24,852 
           
Income before income taxes   2,954    5,116 
Income tax expense   83    811 
           
Net income  $2,871   $4,305 
           
Net income per share, basic  $0.42   $0.60 
Weighted average shares outstanding, basic   6,915,909    7,116,790 
           
Net income per share, diluted  $0.41   $0.60 
Weighted average shares outstanding, diluted   6,972,055    7,207,210 
           
           
Performance ratios (three-month data annualized)          
  Return on average assets   0.54%   1.01%
  Return on average equity   7.50%   9.45%
  Return on average common stockholders' equity   7.50%   9.45%
  Net interest margin (tax equivalent basis)   3.41%   3.73%
  Efficiency ratio   81.64%   81.50%

 

 

 

 

FINANCIAL CONDITION DATA:  December 31,   September 30,   Increase 
(In thousands, except per share data)  2022   2022   (Decrease) 
       (As Restated)     
             
Total assets  $2,196,919   $2,093,725   $103,194 
Cash and cash equivalents   38,278    41,665    (3,387)
Investment securities   330,683    318,075    12,608 
Loans held for sale   44,281    60,462    (16,181)
Gross loans (1)   1,599,020    1,489,904    109,116 
Allowance for loan losses   16,080    15,360    720 
Interest earning assets   1,994,374    1,898,051    96,323 
Goodwill   9,848    9,848    - 
Core deposit intangibles   721    775    (54)
Loan servicing rights   65,598    67,194    (1,596)
Noninterest-bearing deposits   315,390    340,172    (24,782)
Interest-bearing deposits (2)   1,222,451    1,175,662    46,789 
Federal Home Loan Bank borrowings   377,643    307,303    70,340 
Subordinated debt and other borrowings, net of issuance costs   95,458    88,206    7,252 
Total liabilities   2,036,775    1,942,160    94,615 
Accumulated other comprehensive income (loss)   (19,000)   (27,079)   8,079 
Stockholders' equity, net of noncontrolling interests   160,144    151,565    8,579 
                
Book value per share  $23.15   $21.74   $1.41 
Tangible book value per share (3)   21.62    20.22    1.40 
                
Non-performing assets:               
   Nonaccrual loans - SBA guaranteed  $5,465   $5,474   $(9)
   Nonaccrual loans - unguaranteed   6,058    5,382    676 
      Total nonaccrual loans  $11,523   $10,856   $667 
   Accruing loans past due 90 days   -    -    - 
      Total non-performing loans   11,523    10,856    667 
   Foreclosed real estate   -    -    - 
   Troubled debt restructurings classified as performing loans   2,580    2,714    (134)
      Total non-performing assets  $14,103   $13,570   $533 
                
Asset quality ratios:               
   Allowance for loan losses as a percent of total gross loans   1.01%   1.03%   (0.02%)
   Allowance for loan losses as a percent of total gross loans, excluding PPP loans (4)   1.01%   1.03%   (0.02%)
   Allowance for loan losses as a percent of nonperforming loans   139.55%   141.49%   (1.94%)
   Nonperforming loans as a percent of total gross loans   0.72%   0.73%   (0.01%)
   Nonperforming assets as a percent of total assets   0.64%   0.65%   (0.01%)

 

 

(1)Includes $591,000 and $862,000 of PPP loans at December 31, 2022 and September 30, 2022, respectively.
(2)Includes $326.2 million and $292.5 million of brokered certificates of deposit at December 31, 2022 and September 30, 2022, respectively.
(3)See reconciliation of GAAP and non-GAAP financial measures for additional information relating to calculation of this item.
(4)Denominator excludes PPP loans, which are fully guaranteed by the SBA.  This ratio is non-GAAP, but is believed by management to be meaningful because it provides a comparable ratio after eliminating PPP loans.

 

 

 

 

RECONCILIATION OF GAAP AND NON-GAAP FINANCIAL MEASURES (UNAUDITED):

The following non-GAAP financial measures used by the Company provide information useful to investors in understanding the Company's performance.  The Company believes the financial measures presented below are important because of their widespread use by investors as a means to evaluate capital adequacy and earnings.  The following table summarizes the non-GAAP financial measures derived from amounts reported in the Company's consolidated financial statements and reconciles those non-GAAP financial measures with the comparable GAAP financial measures.

 

   December 31,   September 30,   Increase 
Tangible Book Value Per Share  2022   2022   (Decrease) 
(In thousands, except share and per share data)      (As Restated)     
             
Stockholders' equity, net of noncontrolling interests (GAAP)  $160,144   $151,565   $8,579 
Less:  goodwill and core deposit intangibles   (10,569)   (10,623)   54 
Tangible equity (non-GAAP)  $149,575   $140,942    8,633 
                
Outstanding common shares   6,917,921    6,970,631    (52,710)
                
Tangible book value per share (non-GAAP)  $21.62   $20.22   $1.40 
                
Book value per share (GAAP)  $23.15   $21.74   $1.41 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED):  As of 
Summarized Consolidated Balance Sheets  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except per share data)  2022   2022   2022   2022   2021 
       (As Restated)             
                     
Total cash and cash equivalents  $38,278   $41,665   $37,468   $31,105   $40,592 
Total investment securities   330,683    318,075    309,027    284,674    220,926 
Total loans held for sale   44,281    60,462    188,031    152,652    161,218 
Total loans, net of allowance for loan losses   1,582,940    1,474,544    1,267,816    1,126,818    1,142,655 
PPP loans   591    862    1,766    13,415    46,020 
Loan servicing rights   65,598    67,194    69,039    68,267    59,187 
Total assets   2,196,919    2,093,725    2,006,666    1,801,944    1,764,589 
                          
   Retail deposits  $1,211,677   $1,223,330   $1,186,582   $1,151,437   $1,146,454 
   Brokered deposits   326,164    292,504    159,125    69,752    120,581 
Total deposits   1,537,841    1,515,834    1,345,707    1,221,189    1,267,035 
Federal Home Loan Bank borrowings   377,643    307,303    404,098    296,592    258,377 
                          
   Common stock and additional paid-in capital  $27,425   $26,848   $27,236   $27,154   $27,073 
   Retained earnings - substantially restricted   163,890    161,927    161,438    159,732    153,630 
   Accumulated other comprehensive income (loss)   (19,000)   (27,079)   (12,560)   (1,336)   9,219 
   Unearned stock compensation   (1,361)   (969)   (1,075)   (1,180)   (1,285)
   Less treasury stock, at cost   (10,810)   (9,162)   (5,826)   (4,417)   (4,417)
Total stockholders' equity   160,144    151,565    169,213    179,953    184,220 
                          
Outstanding common shares   6,917,921    6,970,631    7,110,706    7,169,826    7,169,826 

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  Three Months Ended 
Summarized Consolidated Statements of Income  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except per share data)  2022   2022   2022   2022   2021 
       (As Restated)             
                     
Total interest income  $23,483   $21,152   $18,479   $15,801   $15,762 
Total interest expense   7,222    4,327    2,568    1,788    1,859 
Net interest income   16,261    16,825    15,911    14,013    13,903 
Provision (credit) for loan losses   984    880    532    (30)   526 
Net interest income after provision (credit) for loan losses   15,277    15,945    15,379    14,043    13,377 
                          
Total noninterest income   5,188    4,531    10,033    20,072    16,591 
Total noninterest expense   17,511    19,514    22,835    25,461    24,852 
Income before income taxes   2,954    962    2,577    8,654    5,116 
Income tax expense (benefit)   83    (446)   (61)   1,619    811 
Net income  $2,871   $1,408   $2,638   $7,035   $4,305 
                          
                          
Net income per share, basic  $0.42   $0.20   $0.37   $0.99   $0.60 
Weighted average shares outstanding, basic   6,915,909    6,988,873    7,073,204    7,076,355    7,116,790 
                          
Net income per share, diluted  $0.41   $0.20   $0.37   $0.98   $0.60 
Weighted average shares outstanding, diluted   6,972,055    7,056,138    7,145,288    7,156,229    7,207,210 

 

   Three Months Ended 
   December 31,   September 30,   June 30,   March 31,   December 31, 
Consolidated Performance Ratios (Annualized)  2022   2022   2022   2022   2021 
       (As Restated)             
                     
Return on average assets   0.54%   0.28%   0.55%   1.61%   1.01%
Return on average equity   7.50%   3.30%   6.06%   15.24%   9.45%
Return on average common stockholders' equity   7.50%   3.30%   6.06%   15.24%   9.45%
Net interest margin (tax equivalent basis)   3.41%   3.75%   3.77%   3.68%   3.73%
Efficiency ratio   81.64%   91.37%   88.02%   74.70%   81.50%

   

   As of or for the Three Months Ended 
   December 31,   September 30,   June 30,   March 31,   December 31, 
Consolidated Asset Quality Ratios  2022   2022   2022   2022   2021 
       (As Restated)             
                     
Nonperforming loans as a percentage of total loans   0.72%   0.73%   0.77%   0.88%   1.10%
Nonperforming assets as a percentage of total assets   0.64%   0.65%   0.63%   0.73%   0.82%
Allowance for loan losses as a percentage of total loans   1.01%   1.03%   1.17%   1.27%   1.28%
Allowance for loan losses as a percentage of nonperforming loans   139.55%   141.49%   151.59%   143.94%   116.12%
Net charge-offs to average outstanding loans   0.02%   0.03%   0.00%   0.02%   0.00%

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  Three Months Ended 
Segmented Statements of Income Information  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except per share data)  2022   2022   2022   2022   2021 
       (As Restated)             
Core Banking Segment:                         
Net interest income  $15,008   $14,994   $13,848   $11,847   $11,495 
Provision (credit) for loan losses   701    769    910    (240)   (144)
Net interest income after provision (credit) for loan losses   14,307    14,225    12,938    12,087    11,639 
Noninterest income   1,928    1,808    2,379    2,163    1,942 
Noninterest expense   9,797    10,499    10,187    9,811    9,482 
Income before income taxes   6,438    5,534    5,130    4,439    4,099 
Income tax expense   946    735    568    330    500 
Net income  $5,492   $4,799   $4,562   $4,109   $3,599 
                          
SBA Lending Segment (Q2):                         
Net interest income (5)  $995   $1,182   $1,449   $1,602   $1,875 
Provision (credit) for loan losses   283    111    (378)   210    670 
Net interest income after provision (credit) for loan losses   712    1,071    1,827    1,392    1,205 
Noninterest income   754    480    584    1,658    1,901 
Noninterest expense   1,924    1,891    2,341    2,253    2,236 
Income (loss) before income taxes   (458)   (340)   70    797    870 
Income tax expense (benefit)   (107)   (123)   26    240    265 
Net income (loss) (6)  $(351)  $(217)  $44   $557   $605 
                          
Mortgage Banking Segment:                         
Net interest income  $258   $649   $614   $564   $533 
Provision for loan losses   -    -    -    -    - 
Net interest income after provision for loan losses   258    649    614    564    533 
Noninterest income   2,506    2,243    7,070    16,251    12,748 
Noninterest expense   5,790    7,124    10,307    13,397    13,134 
Income (loss) before income taxes   (3,026)   (4,232)   (2,623)   3,418    147 
Income tax expense (benefit)   (756)   (1,058)   (655)   1,049    46 
Net income (loss)  $(2,270)  $(3,174)  $(1,968)  $2,369   $101 
                          
(5) Includes net interest income derived from PPP loans of:  $1   $16   $173   $239   $550 
                          
(6) Includes net income attributable to the Company derived from PPP loans (tax effected) of:  $1   $12   $130   $179   $413 

    

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  Three Months Ended 
Segmented Statements of Income Information  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except per share data)  2022   2022   2022   2022   2021 
       (As Restated)             
Net Income (Loss) Per Share by Segment                         
Net income per share, basic - Core Banking  $0.80   $0.68   $0.64   $0.58   $0.50 
Net income (loss) per share, basic - SBA Lending (Q2) (7)   (0.05)   (0.03)   0.01    0.08    0.09 
Net income (loss) per share, basic - Mortgage Banking   (0.33)   (0.45)   (0.28)   0.33    0.01 
  Total net income per share, basic (8)  $0.42   $0.20   $0.37   $0.99   $0.60 
                          
Net Income (Loss) Per Diluted Share by Segment                         
Net income per share, diluted - Core Banking  $0.79   $0.68   $0.64   $0.57   $0.50 
Net income (loss) per share, diluted - SBA Lending (Q2) (8)   (0.05)   (0.03)   0.01    0.08    0.09 
Net income (loss) per share, diluted - Mortgage Banking   (0.33)   (0.45)   (0.28)   0.33    0.01 
  Total net income per share, diluted (8)  $0.41   $0.20   $0.37   $0.98   $0.60 
                          
Return on Average Assets by Segment (three-month data annualized)                         
Core Banking   1.17%   1.08%   1.12%   1.14%   1.05%
SBA Lending   (1.38%)   (0.85%)   0.17%   1.80%   1.55%
Mortgage Banking   (9.31%)   (9.44%)   (4.50%)   5.38%   0.23%
                          
Efficiency Ratio by Segment (three-month data annualized)                         
Core Banking   57.85%   62.49%   62.78%   70.03%   70.57%
SBA Lending   110.01%   113.78%   115.15%   69.11%   59.22%
Mortgage Banking   209.48%   246.33%   134.14%   79.67%   98.89%
                          
(7) Includes basic net income per share derived from PPP loans (tax effected) of:  $0.00   $0.00   $0.02   $0.03   $0.06 
                          
(8) Includes diluted net income per share derived from PPP loans (tax effected) of:  $0.00   $0.00   $0.02   $0.03   $0.06 

 

  

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  Three Months Ended 
Noninterest Expense Detail by Segment  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands)  2022   2022   2022   2022   2021 
       (As Restated)             
Core Banking Segment:                         
Compensation (9)  $5,275   $4,444   $5,995   $5,207   $5,776 
Occupancy   1,443    1,374    1,412    1,393    1,357 
Advertising   213    272    284    297    232 
Other   2,866    4,409    2,496    2,914    2,117 
Total Noninterest Expense  $9,797   $10,499   $10,187   $9,811   $9,482 
                          
SBA Lending Segment (Q2):                         
Compensation  $1,622   $1,690   $1,619   $1,724   $1,685 
Occupancy   54    41    60    64    78 
Advertising   2    8    3    9    9 
Other   246    152    659    456    464 
Total Noninterest Expense  $1,924   $1,891   $2,341   $2,253   $2,236 
                          
Mortgage Banking Segment:                         
Compensation (9)  $3,788   $5,091   $7,601   $10,292   $9,867 
Occupancy   363    491    597    622    678 
Advertising   203    319    519    696    551 
Other   1,436    1,223    1,590    1,787    2,038 
Total Noninterest Expense  $5,790   $7,124   $10,307   $13,397   $13,134 
                          
(9)  Compensation includes increases for Core Banking and corresponding decreases for Mortgage Banking segment that represent intersegment allocations for loans originated by the Mortgage Banking segment to be held for investment in the Core Banking loan portfolio of:         $1,192   $945   $1,164   $869   $975 

  

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  Three Months Ended 
Mortgage Banking Noninterest Expense Fixed vs. Variable  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands)  2022   2022   2022   2022   2021 
                    
Noninterest Expense - Fixed Expenses  $4,561   $5,724   $6,989   $7,936   $7,752 
Noninterest Expense - Variable Expenses (10)   1,229    1,400    3,318    5,461    5,382 
Total Noninterest Expense  $5,790  $7,124   $10,307  $13,397  $13,134 

 

   Three Months Ended 
SBA Lending (Q2) Data  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except percentage data)  2022   2022   2022   2022   2021 
Final funded loans guaranteed portion sold, SBA  $11,293   $3,772   $5,364   $14,355   $14,131 
                          
Gross gain on sales of loans, SBA  $936   $393   $592   $1,670   $1,841 
Weighted average gross gain on sales of loans, SBA   8.29%   10.42%   11.04%   11.63%   13.03%
                          
Net gain on sales of loans, SBA (11)  $775   $249   $486   $1,327   $1,636 
Weighted average net gain on sales of loans, SBA   6.86%   6.60%   9.06%   9.24%   11.58%

 

   Three Months Ended 
Mortgage Banking Data  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except percentage data)  2022   2022   2022   2022   2021 
                     
Mortgage originations for sale in the secondary market  $77,605   $185,981   $421,426   $459,434   $541,074 
                          
Mortgage sales  $96,177   $241,804   $426,200   $478,816   $587,928 
                          
Gross gain on sales of loans, mortgage banking (12)  $1,217   $2,630   $7,419   $10,988   $11,082 
Weighted average gross gain on sales of loans, mortgage banking   1.27%   1.09%   1.74%   2.29%   1.88%
                          
Mortgage banking income (13)  $2,496   $2,246   $7,093   $16,254   $12,744 

 

 

(10)Variable expenses include incentive compensation and advertising expenses.
(11)Inclusive of gains on servicing assets and net of commissions, referral fees, SBA repair fees and discounts on unguaranteed portions held-for-investment.
(12)Inclusive of gains on capitalized mortgage servicing rights, realized hedging gains and loan fees, and net of lender credits and other investor expenses.
(13)Inclusive of loan fees, servicing income, gains or losses on mortgage servicing rights, fair value adjustments and gains or losses on derivative instruments, and net of lender credits and other investor expenses.

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  Three Months Ended 
Summarized Consolidated Average Balance Sheets  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands)  2022   2022   2022   2022   2021 
Interest-earning assets      (As Restated)             
Average balances:                         
   Interest-bearing deposits with banks  $19,379   $28,318   $25,068   $36,029   $33,065 
   Loans, excluding PPP loans   1,582,538    1,477,857    1,381,366    1,268,983    1,221,879 
   PPP loans   644    1,310    4,271    22,066    51,178 
   Investment securities - taxable   111,936    94,836    103,536    50,165    47,717 
   Investment securities - nontaxable   241,504    230,312    202,534    163,472    153,452 
   FRB and FHLB stock   20,063    19,890    18,691    19,021    19,258 
     Total interest-earning assets  $1,976,064   $1,852,523   $1,735,466   $1,559,736   $1,526,549 
                          
Interest income (tax equivalent basis):                         
   Interest-bearing deposits with banks  $144   $97   $37   $13   $14 
   Loans, excluding PPP loans   20,219    18,012    15,788    13,745    13,424 
   PPP loans   3    17    177    258    595 
   Investment securities - taxable   955    740    769    420    405 
   Investment securities - nontaxable   2,505    2,352    1,987    1,571    1,509 
   FRB and FHLB stock   220    265    169    146    149 
     Total interest income (tax equivalent basis)  $24,046   $21,483   $18,927   $16,153   $16,096 
                          
Weighted average yield (tax equivalent basis, annualized):                         
   Interest-bearing deposits with banks   2.97%   1.37%   0.59%   0.14%   0.17%
   Loans, excluding PPP loans   5.11%   4.88%   4.57%   4.33%   4.39%
   PPP loans   1.86%   5.19%   16.58%   4.68%   4.65%
   Investment securities - taxable   3.41%   3.12%   2.97%   3.35%   3.40%
   Investment securities - nontaxable   4.15%   4.08%   3.92%   3.84%   3.93%
   FRB and FHLB stock   4.39%   5.33%   3.62%   3.07%   3.09%
     Total interest-earning assets   4.87%   4.64%   4.36%   4.14%   4.22%

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  Three Months Ended 
Summarized Consolidated Average Balance Sheets  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands)  2022   2022   2022   2022   2021 
Interest-bearing liabilities      (As Restated)             
Average balances:                         
   Interest-bearing deposits  $1,213,419   $1,125,659   $998,868   $922,137   $913,297 
   Federal Home Loan Bank borrowings   311,146    301,027    325,460    280,190    264,617 
   Subordinated debt and other borrowings   88,304    50,179    50,152    24,592    19,870 
     Total interest-bearing liabilities  $1,612,869   $1,476,865   $1,374,480   $1,226,919   $1,197,784 
                          
Interest expense:                         
   Interest-bearing deposits  $4,158   $2,306   $1,047   $738   $811 
   Federal Home Loan Bank borrowings   1,919    1,111    811    681    730 
   Subordinated debt and other borrowings   1,145    714    710    369    318 
     Total interest expense  $7,222   $4,131   $2,568   $1,788   $1,859 
                          
Weighted average cost (annualized):                         
   Interest-bearing deposits   1.37%   0.82%   0.42%   0.32%   0.36%
   Federal Home Loan Bank borrowings   2.47%   1.48%   1.00%   0.97%   1.10%
   Subordinated debt and other borrowings   5.19%   5.69%   5.66%   6.00%   6.40%
     Total interest-bearing liabilities   1.79%   1.12%   0.75%   0.58%   0.62%
                          
Interest rate spread (tax equivalent basis, annualized)   3.08%   3.52%   3.61%   3.56%   3.60%
                          
Net interest margin (tax equivalent basis, annualized)   3.41%   3.75%   3.77%   3.68%   3.73%
                          
Net interest margin, excluding PPP loans and PPPLF borrowings (non-GAAP), (tax equivalent basis, annualized)   3.41%   3.75%   3.74%   3.67%   3.70%

   

 

 

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