0001104659-24-009994.txt : 20240202 0001104659-24-009994.hdr.sgml : 20240202 20240202153802 ACCESSION NUMBER: 0001104659-24-009994 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20240130 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240202 DATE AS OF CHANGE: 20240202 FILER: COMPANY DATA: COMPANY CONFORMED NAME: First Savings Financial Group, Inc. CENTRAL INDEX KEY: 0001435508 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] ORGANIZATION NAME: 02 Finance 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: 24590991 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 tm245102d1_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): January 30, 2024

 

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 January 30, 2024, First Savings Financial Group, Inc. announced its financial results for the three months ended December 31, 2023. The press release announcing the financial results for the three months ended December 31, 2023 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

 

 99.1 Press release dated January 30, 2024
   
101Cover Page Interactive Data File (formatted in Inline XBRL)

 

 

 

 

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: January 30, 2024 By: /s/ Tony A. Schoen
  Tony A. Schoen
  Chief Financial Officer

 

 

 

 EX-99.1 2 tm245102d1_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, 2023

 

Jeffersonville, Indiana — January 30, 2024. First Savings Financial Group, Inc. (NASDAQ: FSFG - news) (the "Company"), the holding company for First Savings Bank (the "Bank"), today reported net income of $920,000, or $0.13 per diluted share, for the quarter ended December 31, 2023 compared to net income of $2.9 million, or $0.41 per diluted share, for the quarter ended December 31, 2022. The core banking segment reported net income of $4.0 million, or $0.59 per diluted share for the quarter ending December 31, 2023.

 

During the quarter ended December 31, 2023, the Company ceased its national originate-to-sell residential mortgage banking operations, consummated the bulk sale of substantially all residential mortgage loan servicing rights with Nationstar Mortgage LLC (“Nationstar”), and entered into a letter of intent for the mini-bulk sale of its remaining residential mortgage servicing rights, which were valued at December 31, 2023 at the net expected realizable value on the expected close date of February 29, 2024. As a result of these actions, the Company does not anticipate recognizing material financial effects to its future financial performance related to the former mortgage banking operations. Notwithstanding the forgoing, the Company has an accrued estimated contingent liability of $1.1 million for possible reimbursement to Nationstar for mortgage servicing rights it purchased that are associated with loans that experience early payoffs (“EPOs”) and early payment defaults (“EPDs”) in the first 90 days following the close of the sale on November 30, 2023. Depending on repayment activity related to such during that 90-day period, the Company may recognize a material financial effect upon final settlement with Nationstar in the quarter ending March 31, 2024. The Company continues to originate residential mortgage loans in its local southern Indiana markets and first-lien home equity lines of credit from its loan production office in Franklin, Tennessee.

 

The Company modified the manner in which it recognizes dividends from the Federal Home Loan Bank of Indianapolis, which adversely impacted the Company’s net interest margin by approximately 8 basis points for the quarter ended December 31, 2023. This adverse effect will not be recognized in future quarter.

 

Commenting on the Company’s performance, Larry W. Myers, President and CEO, stated “While the former national mortgage banking division was a financial success for several years, we are pleased to have finalized the winddown of those operations and pivot to improving financial results. The core banking segment performed reasonably well while the SBA lending segment underperformed due to higher than anticipated provisions for credit losses. We continue to move on the right trajectory and expect the financial performance of both the core banking and SBA lending segments to improve. We continue our focus on reducing balance sheet and operating inefficiencies; strong asset quality; selective high-quality lending; deposit growth; and improvement of liquidity, capital and interest rate sensitivity positions. We believe these measures will deliver increasing financial results and shareholder value.”

 

Results of Operations for the Three Months Ended December 31, 2023 and 2022

 

Net interest income decreased $2.1 million, or 13.2%, to $14.1 million for the three months ended December 31, 2023 as compared to the same period 2022. The decrease in net interest income was due to a $7.3 million increase in interest expense, partially offset by a $5.2 million increase in interest income. Interest income increased due to an increase in the average balance of interest-earning assets of $190.5 million, from $1.98 billion for 2022 to $2.17 billion for 2023, and an increase in the weighted-average tax-equivalent yield, from 4.87% for 2022 to 5.37% for 2023. The increase in the average balance of interest-earning assets was due primarily to a $274.5 million increase in the average balance of loans, partially offset by a decrease in the average balance of investment securities of $89.8 million. Interest expense increased due to an increase in the average balance of interest-bearing liabilities of $265.8 million, from $1.61 billion for 2022 to $1.88 billion for 2023, and an increase in the average cost of interest-bearing liabilities, from 1.79% for 2022 to 3.10% for 2023. The increase in the average cost of interest-bearing liabilities for 2023 was due primarily to higher rates for FHLB borrowings, brokered deposits, and money market deposit accounts as a result of increased market interest rates due to competition and higher U.S. Treasury rates.

 

 

 

 

The Company recognized a provision for credit losses of $412,000 for the three months ended December 31, 2023, compared to $984,000 for the same period in 2022. The Company recognized net charge-offs of $9,000 for the three months ended December 31, 2023, compared to net charge-offs of $264,000 in 2022, of which $247,000 was related to unguaranteed portions of SBA loans. Nonperforming loans, which consist of nonaccrual loans and loans over 90 days past due and still accruing interest, increased $1.6 million from $13.9 million at September 30, 2023 to $15.5 million at December 31, 2023.

 

Noninterest income decreased $2.4 million for the three months ended December 31, 2023 as compared to the same period in 2022. The decrease was due primarily to a $2.4 million decrease in mortgage banking income, which was a result of the winddown of the national mortgage banking operations that was completed in December 2023.

 

Noninterest expense decreased $1.5 million for the three months ended December 31, 2023 as compared to the same period in 2022. The decrease was due primarily to decreases in compensation and benefits expense of $1.0 million and other operating expense of $1.0 million. The decrease in compensation and benefits expense was due primarily to a reduction in staffing related to the winddown of the national mortgage banking operations. The decrease in other operating expense was due primarily to litigation accruals and adjustments of $460,000 and captive insurance losses of $385,000 in 2022 with no corresponding amounts in 2023, and the reversal of a litigation accrual of $275,000 in 2023.

 

The Company recognized income tax benefit of $476,000 for the three months ended December 31, 2023 compared to tax expense of $83,000 for the same period in 2022. The decrease in income tax expense was due primarily to lower pre-tax income and utilization of investment tax credits related to solar projects in the 2023 period.

 

Comparison of Financial Condition at December 31, 2023 and September 30, 2023

 

Total assets increased $19.2 million, from $2.29 billion at September 30, 2023 to $2.31 billion at December 31, 2023. Net loans held for investment increased $71.7 million during the quarter ended December 31, 2023 due primarily to growth in residential mortgage and commercial business loans. Debt securities available for sale increased $17.8 million during the quarter ended December 31, 2023 due primarily to a decrease in the unrealized loss on securities available for sale. Residential mortgage loan servicing rights decreased $59.1 million during the quarter ended December 31, 2023, due to the sale of substantially all residential mortgage loan servicing rights during the period.

 

Total liabilities increased $5.7 million due primarily to increases in accrued expenses and other liabilities and total deposits of $7.2 million and $2.1 million, respectively, offset by a decrease in FHLB borrowings of $6.5 million. As of December 31, 2023, deposits exceeding the FDIC insurance limit of $250,000 per insured account were 26.6% of total deposits and 11.7% of total deposits when excluding public funds insured by the Indiana Public Deposit Insurance Fund.

 

 

 

 

Common stockholders’ equity increased $13.5 million, from $151.0 million at September 30, 2023 to $164.5 million at December 31, 2023, due primarily to a $16.0 million decrease in accumulated other comprehensive loss, partially offset by a decrease in retained net income of $2.6 million. The increase in accumulated other comprehensive loss was due primarily to decreasing long term market interest rates during the quarter ended December 31, 2023, which resulted in an increase in the fair value of securities available for sale. The decrease in retained net income was due primarily to the Company’s adoption of ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (commonly referred to as “CECL”) effective October 1, 2023, resulting in a one-time adjustment of $2.5 million. At December 31, 2023 and September 30, 2023, 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 two national lending programs, including single-tenant net lease commercial real estate and SBA lending, with offices located predominately in the Midwest. 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; 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)

 

   Three Months Ended 
OPERATING DATA:  December 31, 
(In thousands, except share and per share data)  2023   2022 
Total interest income  $28,655   $23,483 
Total interest expense   14,542    7,222 
           
Net interest income   14,113    16,261 
Provision for credit losses   412    984 
           
Net interest income after provision for credit losses   13,701    15,277 
           
Total noninterest income   2,782    5,188 
Total noninterest expense   16,039    17,511 
           
Income before income taxes   444    2,954 
Income tax expense (benefit)   (476)   83 
           
Net income  $920   $2,871 
           
Net income per share, basic  $0.13   $0.42 
Weighted average shares outstanding, basic   6,823,948    6,915,909 
           
Net income per share, diluted  $0.13   $0.41 
Weighted average shares outstanding, diluted   6,839,704    6,972,055 
           
           
Performance ratios (annualized)          
  Return on average assets   0.16%   0.54%
  Return on average equity   2.42%   7.50%
  Return on average common stockholders' equity   2.42%   7.50%
  Net interest margin (tax equivalent basis)   2.69%   3.41%
  Efficiency ratio   94.93%   81.64%

 

 

 

  

           QTD 
FINANCIAL CONDITION DATA:  December 31,   September 30,   Increase 
(In thousands, except per share data)  2023   2023   (Decrease) 
Total assets  $2,308,092   $2,288,854   $19,238 
Cash and cash equivalents   33,366    30,845    2,521 
Investment securities   246,801    229,039    17,762 
Loans held for sale   22,866    45,855    (22,989)
Gross loans   1,860,742    1,787,143    73,599 
Allowance for credit losses (1)   18,789    16,900    1,889 
Interest earning assets   2,152,941    2,083,397    69,544 
Goodwill   9,848    9,848    - 
Core deposit intangibles   520    561    (41)
Loan servicing rights   3,711    62,819    (59,108)
Noninterest-bearing deposits   202,769    242,237    (39,468)
Interest-bearing deposits (retail)   978,182    1,001,238    (23,056)
Interest-bearing deposits (brokered)   502,895    438,319    64,576 
Federal Home Loan Bank borrowings   356,699    363,183    (6,484)
Subordinated debt and other borrowings   48,484    48,444    40 
Total liabilities   2,143,569    2,137,873    5,696 
Accumulated other comprehensive loss   (13,606)   (29,587)   15,981 
Stockholders' equity   164,523    150,981    13,542 
                
Book value per share  $23.90   $21.99   $1.92 
Tangible book value per share - Non-GAAP (2)   22.40    20.47    1.93 
                
Non-performing assets:               
   Nonaccrual loans - SBA guaranteed  $5,066   $5,091   $(25)
   Nonaccrual loans   10,442    8,857    1,585 
      Total nonaccrual loans  $15,508   $13,948   $1,560 
   Accruing loans past due 90 days   -    -    - 
      Total non-performing loans   15,508    13,948    1,560 
   Foreclosed real estate   444    474    (30)
   Troubled debt restructurings classified as performing loans   -    1,266    (1,266)
      Total non-performing assets  $15,952   $15,688   $264 
                
Asset quality ratios:               
   Allowance for credit losses as a percent of total gross loans   1.01%   0.95%   0.06%
   Allowance for credit losses as a percent of nonperforming loans   121.16%   121.16%   (0.01)%
   Nonperforming loans as a percent of total gross loans   0.83%   0.78%   0.05%
   Nonperforming assets as a percent of total assets   0.69%   0.69%   0.01%

 

 

(1)The Company adopted ASU 2016-13 Topic 326 on October 1, 2023. Allowance as of December 31, 2023 was determined using expected loss methodology (CECL). Allowance as of September 30, 2023 was determined using the previous incurred loss methodology.

 

(2)See reconciliation of GAAP and non-GAAP financial measures for additional information relating to calculation of this item.

 

 

 

  

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.

 

Tangible Book Value Per Share  December 31,   September 30,   Increase 
(In thousands, except share and per share data)  2023   2023   (Decrease) 
    Stockholders' equity, net of noncontrolling interests (GAAP)  $164,523   $150,981   $13,542 
    Less:  goodwill and core deposit intangibles   (10,368)   (10,409)   41 
    Tangible equity (non-GAAP)  $154,155   $140,572    13,583 
                
    Outstanding common shares   6,883,160    6,867,121    16,039 
                
Tangible book value per share (non-GAAP)  $22.40   $20.47   $1.93 
                
Book value per share (GAAP)  $23.90   $21.99   $1.91 

 

 

 

 

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)  2023   2023   2023   2023   2022 
Total cash and cash equivalents  $33,366   $30,845   $42,475   $41,810   $38,278 
Total investment securities   246,801    229,039    249,788    336,317    330,683 
Total loans held for sale   22,866    45,855    63,142    48,783    44,281 
Total loans, net of allowance for credit losses   1,841,953    1,770,243    1,691,289    1,598,440    1,582,940 
Loan servicing rights   3,711    62,819    64,139    65,045    65,598 
Total assets   2,308,092    2,288,854    2,260,421    2,239,606    2,196,919 
                          
   Retail deposits  $1,180,951   $1,243,475   $1,245,534   $1,206,154   $1,211,677 
   Brokered deposits   502,895    438,319    414,231    336,728    326,164 
Total deposits   1,683,846    1,681,794    1,659,765    1,542,882    1,537,841 
Federal Home Loan Bank borrowings   356,699    363,183    345,000    437,795    377,643 
                          
   Common stock and additional paid-in capital  $27,397   $27,064   $27,518   $27,443   $27,425 
   Retained earnings - substantially restricted   163,753    166,306    168,015    166,652    163,890 
   Accumulated other comprehensive income (loss)   (13,606)   (29,587)   (17,565)   (14,199)   (19,000)
   Unearned stock compensation   (1,194)   (1,015)   (1,113)   (1,211)   (1,361)
   Less treasury stock, at cost   (11,827)   (11,787)   (11,787)   (11,787)   (10,810)
Total stockholders' equity   164,523    150,981    165,068    166,898    160,144 
                          
Outstanding common shares   6,883,160    6,867,121    6,865,921    6,865,921    6,917,921 

 

   Three Months Ended 
Summarized Consolidated Statements of Income  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except per share data)  2023   2023   2023   2023   2022 
Total interest income  $28,655   $28,137   $26,798   $24,811   $23,483 
Total interest expense   14,542    12,601    11,933    9,899    7,222 
Net interest income   14,113    15,536    14,865    14,912    16,261 
Provision for credit losses   412    815    441    372    984 
Net interest income after provision for credit losses   13,701    14,721    14,424    14,540    15,277 
                          
Total noninterest income   2,782    5,442    7,196    7,516    5,188 
Total noninterest expense   16,039    21,647    18,965    17,999    17,511 
Income (loss) before income taxes   444    (1,484)   2,655    4,057    2,954 
Income tax expense (benefit)   (476)   (737)   331    333    83 
Net income (loss)  $920   $(747)  $2,324   $3,724   $2,871 
                          
Net income (loss) per share, basic  $0.13   $(0.11)  $0.34   $0.54   $0.42 
Weighted average shares outstanding, basic   6,823,948    6,817,365    6,816,608    6,842,897    6,915,909 
                          
Net income (loss) per share, diluted  $0.13   $(0.11)  $0.34   $0.54   $0.41 
Weighted average shares outstanding, diluted   6,839,704    6,837,919    6,819,748    6,881,496    6,972,055 

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
Noninterest Income Detail  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands)  2023   2023   2023   2023   2022 
  Service charges on deposit accounts  $473   $479   $509   $471   $558 
  ATM and interchange fees   449    816    615    586    739 
  Net gain (loss) on sales of available for sale securities   -    (11)   (540)   -    - 
  Net unrealized gain (loss) on equity securities   38    11    11    21    14 
  Other than temporary impairment loss on securities   -    -    -    -    (28)
  Net gain on sales of loans, Small Business Administration   834    538    497    907    775 
  Mortgage banking income   89    3,018    4,668    4,149    2,496 
  Increase in cash surrender value of life insurance   329    311    279    266    225 
  Commission income   222    182    247    189    128 
  Real estate lease income   115    116    119    117    117 
  Net gain on premises and equipment   -    20    -    29    - 
  Gain from repurchase of subordinated debt   -    -    660    -    - 
  Other income   233    (38)   131    781    164 
      Total noninterest income  $2,782   $5,442   $7,196   $7,516   $5,188 

 

   Three Months Ended 
   December 31,   September 30,   June 30,   March 31,   December 31, 
Consolidated Performance Ratios (Annualized)  2023   2023   2023   2023   2022 
   Return on average assets   0.16%   (0.13)%   0.41%   0.68%   0.54%
   Return on average equity   2.42%   (1.82)%   5.60%   9.15%   7.50%
   Return on average common stockholders' equity   2.42%   (1.82)%   5.60%   9.15%   7.50%
   Net interest margin (tax equivalent basis)   2.69%   3.03%   2.94%   3.06%   3.41%
   Efficiency ratio   94.93%   103.19%   85.97%   80.25%   81.64%

 

   As of or for the Three Months Ended 
   December 31,   September 30,   June 30,   March 31,   December 31, 
Consolidated Asset Quality Ratios  2023   2023   2023   2023   2022 
  Nonperforming loans as a percentage of total loans   0.83%   0.78%   0.69%   0.77%   0.72%
  Nonperforming assets as a percentage of total assets   0.69%   0.69%   0.62%   0.67%   0.64%
  Allowance for credit losses as a percentage of total loans   1.01%   0.95%   0.99%   1.02%   1.01%
  Allowance for credit losses as a percentage of nonperforming loans   121.16%   121.16%   143.83%   132.20%   139.55%
  Net charge-offs to average outstanding loans   0.00%   0.04%   0.00%   0.00%   0.02%

 

 

 

 

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)  2023   2023   2023   2023   2022 
Core Banking Segment:                         
Net interest income  $13,113   $14,167   $13,407   $13,632   $15,008 
Provision (credit) for credit losses   (49)   1,266    880    422    701 
Net interest income after provision for credit losses   13,162    12,901    12,527    13,210    14,307 
Noninterest income   1,679    2,136    1,965    1,733    1,928 
Noninterest expense   10,252    13,559    11,010    10,651    9,797 
Income before income taxes   4,589    1,478    3,482    4,292    6,438 
Income tax expense   541    3    561    401    946 
Net income  $4,048   $1,475   $2,921   $3,891   $5,492 
                          
SBA Lending Segment (Q2):                         
Net interest income  $1,003   $990   $1,098   $1,093   $995 
Provision (credit) for credit losses   461    (451)   (439)   (50)   283 
Net interest income after provision for credit losses   542    1,441    1,537    1,143    712 
Noninterest income   1,003    367    580    1,636    754 
Noninterest expense   2,146    2,907    2,107    2,662    1,924 
Income (loss) before income taxes   (601)   (1,099)   10    117    (458)
Income tax expense (benefit)   (131)   (273)   (21)   20    (107)
Net income (loss)  $(470)  $(826)  $31   $97   $(351)
                          
Mortgage Banking Segment:                         
Net interest income (loss)  $(3)  $379   $360   $187   $258 
Provision for credit losses   -    -    -    -    - 
Net interest income (loss) after provision for credit losses   (3)   379    360    187    258 
Noninterest income   100    2,939    4,651    4,147    2,506 
Noninterest expense   3,641    5,181    5,848    4,686    5,790 
Loss before income taxes   (3,544)   (1,863)   (837)   (352)   (3,026)
Income tax benefit   (886)   (467)   (209)   (88)   (756)
Net loss  $(2,658)  $(1,396)  $(628)  $(264)  $(2,270)

 

 

 

 

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 percentage data)  2023   2023   2023   2023   2022 
Net Income (Loss) Per Share by Segment                         
Net income per share, basic - Core Banking  $0.59   $0.22   $0.43   $0.57   $0.80 
Net income (loss) per share, basic - SBA Lending (Q2)   (0.07)   (0.12)   -    0.01    (0.05)
Net income (loss) per share, basic - Mortgage Banking   (0.40)   (0.21)   (0.09)   (0.04)   (0.33)
  Total net income (loss) per share, basic  $0.12   $(0.11)  $0.34   $0.54   $0.42 
                          
Net Income (Loss) Per Diluted Share by Segment                         
Net income per share, diluted - Core Banking  $0.59   $0.22   $0.43   $0.57   $0.79 
Net income (loss) per share, diluted - SBA Lending (Q2)   (0.07)   (0.12)   -    0.01    (0.05)
Net loss per share, diluted - Mortgage Banking   (0.40)   (0.21)   (0.09)   (0.04)   (0.33)
  Total net income (loss) per share, diluted  $0.12   $(0.11)  $0.34   $0.54   $0.41 
                          
Return on Average Assets by Segment (annualized) (3)                         
Core Banking   0.73%   0.28%   0.61%   0.85%   1.17%
SBA Lending   (2.11)%   (3.81)%   0.15%   0.42%   (1.38)%
                          
Efficiency Ratio by Segment (annualized) (3)                         
Core Banking   69.31%   83.17%   71.62%   69.32%   57.85%
SBA Lending   106.98%   214.22%   125.57%   97.54%   110.01%

 

   Three Months Ended 
Noninterest Expense Detail by Segment  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands)  2023   2023   2023   2023   2022 
Core Banking Segment:                         
Compensation (4)  $5,691   $6,528   $4,978   $5,578   $5,275 
Occupancy   1,481    1,418    1,738    1,401    1,443 
Advertising   189    404    334    298    213 
Other   2,891    5,209    3,960    3,374    2,866 
Total Noninterest Expense  $10,252   $13,559   $11,010   $10,651   $9,797 
                          
SBA Lending Segment (Q2):                         
Compensation  $1,826   $1,533   $1,803   $1,800   $1,622 
Occupancy   91    68    70    70    54 
Advertising   10    10    11    8    2 
Other   219    1,296    223    784    246 
Total Noninterest Expense  $2,146   $2,907   $2,107   $2,662   $1,924 
                          
Mortgage Banking Segment:                         
Compensation (4)  $2,146   $3,647   $4,357   $3,029   $3,788 
Occupancy   469    395    469    449    363 
Advertising   119    129    191    213    203 
Other   907    1,010    831    995    1,436 
Total Noninterest Expense  $3,641   $5,181   $5,848   $4,686   $5,790 

 

(3) Ratios for Mortgage Banking Segment are not considered meaningful due to the wind down of the national mortgage banking division in the quarter ended December 31, 2023. 
                          
(4) Compensation includes increases for the Core Banking segment and corresponding decreases  for the 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:  $1,403   $1,516   $1,440   $1,328   $1,192 

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
SBA Lending (Q2) Data  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except percentage data)  2023   2023   2023   2023   2022 
Final funded loans guaranteed portion sold, SBA  $14,098   $8,431   $7,721   $15,337   $11,293 
                          
Gross gain on sales of loans, SBA  $1,303   $809   $780   $1,293   $936 
Weighted average gross gain on sales of loans, SBA   9.24%   9.60%   10.10%   8.43%   8.29%
                          
Net gain on sales of loans, SBA (5)  $834   $538   $497   $907   $775 
Weighted average net gain on sales of loans, SBA   5.92%   6.38%   6.44%   5.91%   6.86%

 

   Three Months Ended 
Mortgage Banking Data  December 31,   September 30,   June 30,   March 31,   December 31, 
(In thousands, except percentage data)  2023   2023   2023   2023   2022 
Mortgage originations for sale in the secondary market  $61,769   $195,469   $199,601   $115,011   $77,605 
                          
Mortgage sales  $81,376   $220,609   $185,557   $99,711   $96,177 
                          
Gross gain on sales of loans, mortgage banking (6)  $1,133   $3,304   $3,570   $2,308   $1,217 
Weighted average gross gain on sales of loans, mortgage banking   1.39%   1.50%   1.92%   2.31%   1.27%
                          
Mortgage banking income (7)  $89   $3,018   $4,668   $4,149   $2,496 

 

 

(5)Inclusive of gains on servicing assets and net of commissions, referral fees, SBA repair fees and discounts on unguaranteed portions held-for-investment.

 

(6)Inclusive of gains on capitalized mortgage servicing rights, realized hedging gains and loan fees, and net of lender credits and other investor expenses.

 

(7)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)  2023   2023   2023   2023   2022 
Interest-earning assets                         
Average balances:                         
   Interest-bearing deposits with banks  $20,350   $21,631   $20,661   $27,649   $19,379 
   Loans   1,857,654    1,796,749    1,719,733    1,621,147    1,583,182 
   Investment securities - taxable   103,728    105,393    109,319    110,373    111,936 
   Investment securities - nontaxable   159,907    160,829    234,118    242,530    241,504 
   FRB and FHLB stock   24,968    24,939    24,509    23,289    20,063 
     Total interest-earning assets  $2,166,607   $2,109,541   $2,108,340   $2,024,988   $1,976,064 
                          
Interest income (tax equivalent basis):                         
   Interest-bearing deposits with banks  $249   $266   $267   $192   $144 
   Loans   26,155    25,214    23,279    21,339    20,222 
   Investment securities - taxable   942    969    984    957    955 
   Investment securities - nontaxable   1,687    1,695    2,456    2,533    2,505 
   FRB and FHLB stock   74    428    423    364    220 
     Total interest income (tax equivalent basis)  $29,107   $28,572   $27,409   $25,385   $24,046 
                          
Weighted average yield (tax equivalent basis, annualized):                         
   Interest-bearing deposits with banks   4.89%   4.92%   5.17%   2.78%   2.97%
   Loans   5.63%   5.61%   5.41%   5.27%   5.11%
   Investment securities - taxable   3.63%   3.68%   3.60%   3.47%   3.41%
   Investment securities - nontaxable   4.22%   4.22%   4.20%   4.18%   4.15%
   FRB and FHLB stock   1.19%   6.86%   6.90%   6.25%   4.39%
     Total interest-earning assets   5.37%   5.42%   5.20%   5.01%   4.87%
                          
Interest-bearing liabilities                         
   Interest-bearing deposits  $1,389,384   $1,385,994   $1,278,776   $1,251,080   $1,213,419 
   Fed funds purchased   -    76    11    -    - 
   Federal Home Loan Bank borrowings   440,786    353,890    434,182    374,593    311,146 
   Subordinated debt and other borrowings   48,458    48,406    49,339    50,293    88,304 
     Total interest-bearing liabilities  $1,878,628   $1,788,366   $1,762,308   $1,675,966   $1,612,869 
                          
Interest expense:                         
   Interest-bearing deposits  $9,989   $9,457   $7,791   $6,265   $4,158 
   Fed funds purchased   -    1    -    -    - 
   Federal Home Loan Bank borrowings   3,769    2,459    3,446    2,915    1,919 
   Subordinated debt and other borrowings   784    684    696    719    1,145 
     Total interest expense  $14,542   $12,601   $11,933   $9,899   $7,222 
                          
Weighted average cost (annualized):                         
   Interest-bearing deposits   2.88%   2.73%   2.44%   2.00%   1.37%
   Fed funds purchased   0.00%   5.26%   0.00%   0.00%   0.00%
   Federal Home Loan Bank borrowings   3.42%   2.78%   3.17%   3.11%   2.47%
   Subordinated debt and other borrowings   6.47%   5.65%   5.64%   5.72%   5.19%
     Total interest-bearing liabilities   3.10%   2.82%   2.71%   2.36%   1.79%
                          
Net interest income (taxable equivalent basis)  $14,565   $15,971   $15,476   $15,486   $16,824 
Less: taxable equivalent adjustment   (452)   (435)   (611)   (574)   (563)
Net interest income  $14,113   $15,536   $14,865   $14,912   $16,261 
                          
Interest rate spread (tax equivalent basis, annualized)   2.27%   2.60%   2.49%   2.65%   3.08%
                          
Net interest margin (tax equivalent basis, annualized)   2.69%   3.03%   2.94%   3.06%   3.41%

 

 

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