0001104659-24-052731.txt : 20240426 0001104659-24-052731.hdr.sgml : 20240426 20240426122900 ACCESSION NUMBER: 0001104659-24-052731 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20240425 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240426 DATE AS OF CHANGE: 20240426 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: 24880820 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 tm2412777d1_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): April 25, 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 April 25, 2024, First Savings Financial Group, Inc. announced its financial results for the three and six months ended March 31, 2024. The press release announcing the financial results for the three and six months ended March 31, 2024 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 April 25, 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: April 25, 2024 By: /s/ Tony A. Schoen
    Tony A. Schoen
    Chief Financial Officer

 

 

 EX-99.1 2 tm2412777d1_ex99-1.htm EXHIBIT 99.1

Exhibit 99.1

 

FIRST SAVINGS FINANCIAL GROUP, INC. REPORTS FINANCIAL RESULTS FOR THE SECOND FISCAL QUARTER ENDED MARCH 31, 2024

 

Jeffersonville, Indiana — April 25, 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 $4.9 million, or $0.72 per diluted share, for the quarter ended March 31, 2024 compared to net income of $3.7 million, or $0.54 per diluted share, for the quarter ended March 31, 2023. Excluding nonrecurring items, the Company reported net income of $3.6 million (non-GAAP measure)(1) and net income per diluted share of $0.52 (non-GAAP measure)(1) for the quarter ended March 31, 2024. The core banking segment reported net income of $4.5 million, or $0.66 per diluted share for the quarter ended March 31, 2024. Excluding nonrecurring items, the core banking segment reported net income of $3.6 million, or $0.53 per diluted share for the quarter ended March 31, 2024 (non-GAAP measure)(1).

 

Commenting on the Company’s performance, Larry W. Myers, President and CEO, stated “We continue to 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’ve been successful in executing these strategies and we continue to move on the right trajectory, which we believe will deliver increasing financial results and shareholder value.”

 

(1) Non-GAAP net income and net income per diluted share exclude certain nonrecurring items. A reconciliation to GAAP and discussion of the use of non-GAAP measures is included in the table at the end of this release.

 

Results of Operations for the Three Months Ended March 31, 2024 and 2023

 

Net interest income decreased $574,000, or 3.9%, to $14.3 million for the three months ended March 31, 2024 as compared to the same period 2023. The decrease in net interest income was due to a $5.8 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 $199.9 million, from $2.02 billion for 2023 to $2.22 billion for 2024, and an increase in the weighted-average tax-equivalent yield, from 5.01% for 2023 to 5.48% for 2024. The increase in the average balance of interest-earning assets was due primarily to a $293.5 million increase in the average balance of loans, partially offset by a decrease in the average balance of investment securities of $92.2 million. Interest expense increased due to an increase in the average balance of interest-bearing liabilities of $254.8 million, from $1.68 billion for 2023 to $1.93 billion for 2024, and an increase in the average cost of interest-bearing liabilities, from 2.36% for 2023 to 3.25% for 2024. The increase in the average cost of interest-bearing liabilities for 2024 was due primarily to higher rates for borrowings and brokered deposits as a result of increased market interest rates due to competition and higher U.S. Treasury rates, and migration of deposits from lower-yielding transaction and savings accounts to higher-yielding money market accounts and certificates of deposits.

 

The Company recognized a provision for credit losses for loans of $454,000 and a provision for credit losses for securities of $23,000 for the three months ended March 31, 2024, compared to a provision for loan losses of $372,000 for the same period in 2023. The Company recognized net charge-offs of $110,000 for the three months ended March 31, 2024, of which $42,000 was related to unguaranteed portions of SBA loans, compared to net recoveries of $6,000 in 2023.

 

Noninterest income decreased $3.8 million for the three months ended March 31, 2024 as compared to the same period in 2023. The decrease was due primarily to a $4.1 million decrease in mortgage banking income due to the cessation of national mortgage banking operations in the quarter ended December 31, 2023.

 

 

 

Noninterest expense decreased $6.2 million for the three months ended March 31, 2024 as compared to the same period in 2023. The decrease was due primarily to decreases in compensation and benefits expense of $2.8 million and other operating expense of $2.4 million. The decrease in compensation and benefits expense was due primarily to a reduction in staffing related to the cessation of national mortgage banking operations in the quarter ended December 31, 2023. The decrease in other operating expense was due primarily to a decrease in loss contingency for SBA-guaranteed loans of $656,000 in 2024 compared to an increase of $490,000 in 2023, and an adjustment to the valuation allowance related to sale of residential mortgage servicing rights of $247,000 in 2024 with no corresponding amounts in 2023.

 

The Company recognized income tax expense of $866,000 for the three months ended March 31, 2024 compared to $333,000 for the same period in 2023. The effective tax rate for 2024 was 14.9%, which was an increase from the effective tax rate of 8.2% in 2023. The increase was due to higher pre-tax income in 2024 as compared to 2023.

 

Results of Operations for the Six Months Ended March 31, 2024 and 2023

 

The Company reported net income of $5.8 million, or $0.85 per diluted share, for the six months ended March 31, 2024 compared to net income of $6.6 million, or $0.95 per diluted share, for the six months ended March 31, 2023. Excluding nonrecurring items, the Company reported net income of $4.5 million (non-GAAP measure)(1) and net income per diluted share of $0.65 (non-GAAP measure)(1) for the six months ended March 31, 2024. The core banking segment reported net income of $8.6 million, or $1.25 per diluted share for the six months ended March 31, 2024. Excluding nonrecurring items, the core banking segment reported net income of $7.7 million, or $1.12 per diluted share for the six months ended March 31, 2024 (non-GAAP measure)(1).

 

Net interest income decreased $2.7 million, or 8.7%, to $28.5 million for the six months ended March 31, 2024 as compared to the same period 2023. The decrease in net interest income was due to a $13.1 million increase in interest expense, partially offset by a $10.4 million increase in interest income. Interest income increased due to an increase in the average balance of interest-earning assets of $195.3 million, from $2.00 billion for 2023 to $2.20 billion for 2024, and an increase in the weighted-average tax-equivalent yield, from 4.94% for 2023 to 5.43% for 2024. The increase in the average balance of interest-earning assets was due primarily to a $284.0 million increase in the average balance of loans, partially offset by a decrease in the average balance of investment securities of $91.0 million. Interest expense increased due to an increase in the average balance of interest-bearing liabilities of $260.5 million, from $1.64 billion for 2023 to $1.90 billion for 2024, and an increase in the average cost of interest-bearing liabilities, from 2.08% for 2023 to 3.17% for 2024. The increase in the average cost of interest-bearing liabilities for 2024 was due primarily to higher rates for borrowings and brokered deposits as a result of increased market interest rates due to competition and higher U.S. Treasury rates, and migration of deposits from lower-yielding transaction and savings accounts to higher-yielding money market accounts and certificates of deposits.

 

The Company recognized a provision for credit losses for loans of $866,000 and a provision for credit losses for securities of $23,000 for the six months ended March 31, 2024, compared to a provision for loan losses of $1.4 million for the same period in 2023. Nonperforming loans, which consist of nonaccrual loans and loans over 90 days past due and still accruing interest, increased $1.7 million from $13.9 million at September 30, 2023 to $15.6 million at March 31, 2024. The Company recognized net charge-offs of $119,000 for the six months ended March 31, 2024, of which $22,000 was related to unguaranteed portions of SBA loans, compared to net charge-offs of $258,000 in 2023, of which $238,000 was related to unguaranteed portions of SBA loans.

 

 

 

Noninterest income decreased $6.2 million for the six months ended March 31, 2024 as compared to the same period in 2023. The decrease was due primarily to a $6.5 million decrease in mortgage banking income due to the cessation of national mortgage banking operations in the quarter ended December 31, 2023.

 

Noninterest expense decreased $7.7 million for the six months ended March 31, 2024 as compared to the same period in 2023. The decrease was due primarily to decreases in compensation and benefits expense of $3.8 million and other operating expense of $3.4 million. The decrease in compensation and benefits expense was due primarily to a reduction in staffing related to the cessation of national mortgage banking operations in the quarter ended December 31, 2023. The decrease in other operating expense was due primarily to a decrease in loss contingency for SBA-guaranteed loans of $721,000 in 2024 compared to an increase of $490,000 in 2023, and a decrease in loss contingency for restitution to mortgage borrowers of $17,000 in 2024 compared to an increase of $609,000 in 2023.

 

The Company recognized income tax expense of $390,000 for the six months ended March 31, 2024 compared to tax expense of $416,000 for the same period in 2023. The effective tax rate for 2024 was 6.3%, which was an increase from the effective tax rate of 5.9% in 2023.

 

Comparison of Financial Condition at March 31, 2024 and September 30, 2023

 

Total assets increased $76.1 million, from $2.29 billion at September 30, 2023 to $2.36 billion at March 31, 2024. Net loans held for investment increased $112.2 million during the six months ended March 31, 2024 due primarily to growth in residential construction and mortgage loans. Residential mortgage loan servicing rights decreased $59.8 million during the six months ended March 31, 2024, due to the sale of the entire residential mortgage loan servicing rights portfolio during the period.

 

Total liabilities increased $62.1 million due primarily to increases in total deposits of $105.7 million, partially offset by a decrease in FHLB borrowings of $48.2 million. As of March 31, 2024, deposits exceeding the FDIC insurance limit of $250,000 per insured account were 27.1% of total deposits and 13.1% of total deposits when excluding public funds insured by the Indiana Public Deposit Insurance Fund.

 

Common stockholders’ equity increased $14.1 million, from $151.0 million at September 30, 2023 to $165.1 million at March 31, 2024, due primarily to a $12.4 million decrease in accumulated other comprehensive loss and an increase in retained net income of $1.3 million. The decrease in accumulated other comprehensive loss was due primarily to decreasing long term market interest rates during the six months ended March 31, 2024, which resulted in an increase in the fair value of securities available for sale. At March 31, 2024 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   Six Months Ended 
OPERATING DATA:  March 31,   March 31, 
(In thousands, except share and per share data)  2024   2023   2024   2023 
Total interest income  $30,016   $24,811   $58,671   $48,294 
Total interest expense   15,678    9,899    30,220    17,121 
                     
Net interest income   14,338    14,912    28,451    31,173 
                     
Provision for credit losses - loans   454    372    866    1,356 
Provision for credit losses - securities   23    -    23    - 
                     
Net interest income after provision for credit losses   13,861    14,540    27,562    29,817 
                     
Total noninterest income   3,710    7,516    6,492    12,704 
Total noninterest expense   11,778    17,999    27,817    35,510 
                     
Income before income taxes   5,793    4,057    6,237    7,011 
Income tax expense   866    333    390    416 
                     
Net income  $4,927   $3,724   $5,847   $6,595 
                     
Net income per share, basic  $0.72   $0.54   $0.86   $0.96 
Weighted average shares outstanding, basic   6,832,130    6,842,897    6,828,017    6,879,805 
                     
Net income per share, diluted  $0.72   $0.54   $0.85   $0.95 
Weighted average shares outstanding, diluted   6,859,611    6,881,496    6,849,928    6,926,277 
                     
Performance ratios (annualized)                    
Return on average assets   0.92%   0.68%   0.58%   0.61%
Return on average equity   13.06%   9.15%   8.48%   8.36%
Return on average common stockholders' equity   13.06%   9.15%   8.48%   8.36%
Net interest margin (tax equivalent basis)   2.66%   3.06%   2.68%   3.23%
Efficiency ratio   65.26%   80.25%   79.61%   80.93%

 

 

 

           QTD       FYTD 
FINANCIAL CONDITION DATA:  March 31,   December 31,   Increase   September 30,   Increase 
(In thousands, except per share data)  2024   2023   (Decrease)   2023   (Decrease) 
Total assets  $2,364,983   $2,308,092   $56,891   $2,288,854   $76,129 
Cash and cash equivalents   62,969    33,366    29,603    30,845    32,124 
Investment securities   240,142    246,801    (6,659)   229,039    11,103 
Loans held for sale   19,108    22,866    (3,758)   45,855    (26,747)
Gross loans   1,901,850    1,860,742    41,108    1,787,143    114,707 
Allowance for credit losses (1)   19,392    18,789    603    16,900    2,492 
Interest earning assets   2,214,039    2,152,941    61,098    2,083,397    130,642 
Goodwill   9,848    9,848    -    9,848    - 
Core deposit intangibles   479    520    (41)   561    (82)
Loan servicing rights   3,028    3,711    (683)   62,819    (59,791)
Noninterest-bearing deposits   196,239    202,769    (6,530)   242,237    (45,998)
Interest-bearing deposits (customer)   1,043,032    978,182    64,850    1,001,238    41,794 
Interest-bearing deposits (brokered)   548,175    502,895    45,280    438,319    109,856 
Federal Home Loan Bank borrowings   315,000    356,699    (41,699)   363,183    (48,183)
Subordinated debt and other borrowings   48,523    48,484    39    48,444    79 
Total liabilities   2,199,927    2,143,569    56,358    2,137,873    62,054 
Accumulated other comprehensive loss   (17,144)   (13,606)   (3,538)   (29,587)   12,443 
Stockholders' equity   165,056    164,523    533    150,981    14,075 
                          
Book value per share  $23.98   $23.90    0.08   $21.99   $1.99 
Tangible book value per share - Non-GAAP (2)   22.48    22.40    0.08    20.47    2.01 
                          
Non-performing assets:                         
Nonaccrual loans - SBA guaranteed  $5,053   $5,066   $(13)  $5,091   $(38)
Nonaccrual loans   10,585    10,442    143    8,857    1,728 
Total nonaccrual loans  $15,638   $15,508   $130   $13,948   $1,690 
Accruing loans past due 90 days   -    -    -    -    - 
Total non-performing loans   15,638    15,508    130    13,948    1,690 
Foreclosed real estate   444    444    -    474    (30)
Troubled debt restructurings classified as performing loans   -    -    -    1,266    (1,266)
Total non-performing assets  $16,082   $15,952   $130   $15,688   $394 
                          
Asset quality ratios:                         
Allowance for credit losses as a percent of total gross loans   1.02%   1.01%   0.01%   0.95%   0.07%
Allowance for credit losses as a percent of nonperforming loans   124.01%   121.16%   2.85%   121.16%   2.84%
Nonperforming loans as a percent of total gross loans   0.82%   0.83%   (0.01%)   0.78%   0.04%
Nonperforming assets as a percent of total assets   0.68%   0.69%   (0.01%)   0.69%   (0.01%)

 

 

(1) The Company adopted ASU 2016-13 Topic 326 on October 1, 2023.  Allowance was determined using expected loss methodology (CECL) as of March 31, 2024 and December 31, 2024.  Allowance was determined using the previous incurred loss methodology as of September 30, 2023.

 

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

 

 

 

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.

 

   Three Months Ended   Fiscal Year Ended 
Net Income  March 31,   March 31, 
(In thousands)  2024   2023   2024   2023 
Net income attributable to the Company (non-GAAP)  $3,561   $3,724   $4,481   $6,595 
Plus: Decrease in loss contingency for SBA-guaranteed loans, net of tax effect   492    -    492    - 
Plus: Adjustment to MSR valuation allowance related to sale, net of tax effect   583    -    583    - 
Plus: Gain on sale of premises, net of tax effect   90    -    90    - 
Plus: Adjustment to previous data processing contract termination accrual, net of tax effect   117    -    117    - 
Plus: Distribution from equity investment, net of tax   85    -    85    - 
Net income attributable to the Company (GAAP)  $4,927   $3,724   $5,847   $6,595 

 

 

    Three Months Ended     Fiscal Year Ended  
Net Income per Share, Diluted   March 31,     March 31,  
    2024     2023     2024     2023  
Net income per share, diluted (non-GAAP)   $ 0.52     $ 0.54     $ 0.65     $ 0.95  
Plus: Decrease in loss contingency for SBA-guaranteed loans     0.07       -       0.07       -  
Plus: Adjustment to MSR valuation allowance related to sale     0.08       -       0.08       -  
Plus: Gain on sale of premises     0.01       -       0.01       -  
Plus: Adjustment to previous data processing contract termination accrual     0.02       -       0.02       -  
Plus: Distribution from equity investment     0.02       -       0.02       -  
Net income per share, diluted (GAAP)   $ 0.72     $ 0.54     $ 0.85     $ 0.95  

 

 

   Three Months Ended   Fiscal Year Ended 
Efficiency Ratio  March 31,   March 31, 
(In thousands)  2024   2023   2024   2023 
Net interest income (GAAP)  $14,338   $14,912   $28,451   $31,173 
                     
Noninterest income (GAAP)   3,710    7,516    6,492    12,704 
                     
Noninterest expense (GAAP)   11,778    17,999    27,817    35,510 
                     
Efficiency ratio (GAAP)   65.26%   80.25%   79.61%   80.93%
                     
Noninterest income (GAAP)   3,710    7,516    6,492    12,704 
Less: Adjustment to MSR valuation allowance related to sale   (530)   -    (530)   - 
Less: Gain on sale of premises   (120)   -    (120)   - 
Less: Distribution from equity investment   (113)   -    (113)   - 
Noninterest income (Non-GAAP)   2,947    7,516    5,729    12,704 
                     
Noninterest expense (GAAP)   11,778    17,999    27,817    35,510 
Plus: Adjustment to MSR valuation allowance related to sale   247    -    247    - 
Plus: Decrease in loss contingency for SBA-guaranteed loans   656    -    656    - 
Plus: Adjustment to previous data processing contract termination accrual   156    -    156    - 
Noninterest expense (non-GAAP)  $12,837   $17,999   $28,876   $35,510 
                     
Efficiency ratio (excluding nonrecurring items) (non-GAAP)   74.27%   80.25%   84.48%   80.93%

 

 

           QTD       FYTD 
Tangible Book Value Per Share  March 31,   December 31,   Increase   September 30,   Increase 
(In thousands, except share and per share data)  2024   2023   (Decrease)   2023   (Decrease) 
Stockholders' equity, net of noncontrolling interests (GAAP)  $165,056   $164,523   $533   $150,981   $14,075 
Less:goodwill and core deposit intangibles   (10,327)   (10,368)   41    (10,409)   82 
Tangible equity (non-GAAP)  $154,729   $154,155   $574   $140,572    14,157 
                          
Outstanding common shares   6,883,160    6,883,160   $-    6,867,121    16,039 
                          
Tangible book value per share (non-GAAP)  $22.48   $22.40   $0.08   $20.47   $2.01 
                          
Book value per share (GAAP)  $23.98   $23.90   $0.08   $21.99   $1.99 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED):

   As of 
Summarized Consolidated Balance Sheets  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands, except per share data)  2024   2023   2023   2023   2023 
Total cash and cash equivalents  $62,969   $33,366   $30,845   $42,475   $41,810 
Total investment securities   240,142    246,801    229,039    249,788    336,317 
Total loans held for sale   19,108    22,866    45,855    63,142    48,783 
Total loans, net of allowance for credit losses   1,882,458    1,841,953    1,770,243    1,691,289    1,598,440 
Loan servicing rights   3,028    3,711    62,819    64,139    65,045 
Total assets   2,364,983    2,308,092    2,288,854    2,260,421    2,239,606 
                          
Customer deposits  $1,239,271   $1,180,951   $1,243,475   $1,245,534   $1,206,154 
Brokered deposits   548,175    502,895    438,319    414,231    336,728 
Total deposits   1,787,446    1,683,846    1,681,794    1,659,765    1,542,882 
Federal Home Loan Bank borrowings   315,000    356,699    363,183    345,000    437,795 
                          
Common stock and additional paid-in capital  $27,475   $27,397   $27,064   $27,518   $27,443 
Retained earnings - substantially restricted   167,648    163,753    166,306    168,015    166,652 
Accumulated other comprehensive income (loss)   (17,144)   (13,606)   (29,587)   (17,565)   (14,199)
Unearned stock compensation   (1,096)   (1,194)   (1,015)   (1,113)   (1,211)
Less treasury stock, at cost   (11,827)   (11,827)   (11,787)   (11,787)   (11,787)
Total stockholders' equity   165,056    164,523    150,981    165,068    166,898 
                          
Outstanding common shares   6,883,160    6,883,160    6,867,121    6,865,921    6,865,921 

 

 

   Three Months Ended 
Summarized Consolidated Statements of Income  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands, except per share data)  2024   2023   2023   2023   2023 
Total interest income  $30,016   $28,655   $28,137   $26,798   $24,811 
Total interest expense   15,678    14,542    12,601    11,933    9,899 
Net interest income   14,338    14,113    15,536    14,865    14,912 
Provision for credit losses - loans   454    412    815    441    372 
Provision for credit losses - securities   23    -    -    -    - 
Net interest income after provision for credit losses   13,861    13,701    14,721    14,424    14,540 
                          
Total noninterest income   3,710    2,782    5,442    7,196    7,516 
Total noninterest expense   11,778    16,039    21,647    18,965    17,999 
Income (loss) before income taxes   5,793    444    (1,484)   2,655    4,057 
Income tax expense (benefit)   866    (476)   (737)   331    333 
Net income (loss)  $4,927   $920   $(747)  $2,324   $3,724 
                          
                          
Net income (loss) per share, basic  $0.72   $0.13   $(0.11)  $0.34   $0.54 
Weighted average shares outstanding, basic   6,832,130    6,823,948    6,817,365    6,816,608    6,842,897 
                          
Net income (loss) per share, diluted  $0.72   $0.13   $(0.11)  $0.34   $0.54 
Weighted average shares outstanding, diluted   6,859,611    6,839,704    6,837,919    6,819,748    6,881,496 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
Noninterest Income Detail  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands)  2024   2023   2023   2023   2023 
Service charges on deposit accounts  $387   $473   $479   $509   $471 
ATM and interchange fees   585    449    816    615    586 
Net loss on sales of available for sale securities   -    -    (11)   (540)   - 
Net unrealized gain on equity securities   6    38    11    11    21 
Net gain on sales of loans, Small Business Administration   951    834    538    497    907 
Mortgage banking income   53    89    3,018    4,668    4,149 
Increase in cash surrender value of life insurance   333    329    311    279    266 
Commission income   220    222    182    247    189 
Real estate lease income   115    115    116    119    117 
Net gain on premises and equipment   120    -    20    -    29 
Gain from repurchase of subordinated debt   -    -    -    660    - 
Other income   940    233    (38)   131    781 
Total noninterest income  $3,710   $2,782   $5,442   $7,196   $7,516 

 

 

   Three Months Ended 
   March 31,   December 31,   September 30,   June 30,   March 31, 
Consolidated Performance Ratios (Annualized)  2024   2023   2023   2023   2023 
Return on average assets   0.92%   0.16%   (0.13%)   0.41%   0.68%
Return on average equity   13.06%   2.42%   (1.82%)   5.60%   9.15%
Return on average common stockholders' equity   13.06%   2.42%   (1.82%)   5.60%   9.15%
Net interest margin (tax equivalent basis)   2.66%   2.69%   3.03%   2.94%   3.06%
Efficiency ratio   65.26%   94.93%   103.19%   85.97%   80.25%

 

 

   As of or for the Three Months Ended 
   March 31,   December 31,   September 30,   June 30,   March 31, 
Consolidated Asset Quality Ratios  2024   2023   2023   2023   2023 
Nonperforming loans as a percentage of total loans   0.82%   0.83%   0.78%   0.69%   0.77%
Nonperforming assets as a percentage of total assets   0.68%   0.69%   0.69%   0.62%   0.67%
Allowance for credit losses as a percentage of total loans   1.02%   1.01%   0.95%   0.99%   1.02%
Allowance for credit losses as a percentage of nonperforming loans   124.01%   121.16%   121.16%   143.83%   132.20%
Net charge-offs to average outstanding loans   0.01%   0.00%   0.04%   0.00%   0.00%

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
Segmented Statements of Income Information  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands)  2024   2023   2023   2023   2023 
Core Banking Segment:                         
Net interest income  $13,469   $13,113   $14,167   $13,407   $13,632 
Provision (credit) for credit losses - loans   650    (49)   1,266    880    422 
Provision for credit losses - securities   23    -    -    -    - 
Net interest income after provision for credit losses   12,796    13,162    12,901    12,527    13,210 
Noninterest income   2,537    1,679    2,136    1,965    1,733 
Noninterest expense   10,093    10,252    13,559    11,010    10,651 
Income before income taxes   5,240    4,589    1,478    3,482    4,292 
Income tax expense   729    541    3    561    401 
Net income  $4,511   $4,048   $1,475   $2,921   $3,891 
                          
SBA Lending Segment (Q2 Business Capital, LLC):                         
Net interest income  $869   $1,003   $990   $1,098   $1,093 
Provision (credit) for credit losses - loans   (196)   461    (451)   (439)   (50)
Provision for credit losses - securities   -    -    -    -    - 
Net interest income after provision for credit losses   1,065    542    1,441    1,537    1,143 
Noninterest income   1,173    1,003    367    580    1,636 
Noninterest expense   1,685    2,146    2,907    2,107    2,662 
Income (loss) before income taxes   553    (601)   (1,099)   10    117 
Income tax expense (benefit)   137    (131)   (273)   (21)   20 
Net income (loss)  $416   $(470)  $(826)  $31   $97 
                          
Mortgage Banking Segment: (3)                         
Net interest income (loss)  $-    (3)  $379   $360   $187 
Provision for credit losses - loans   -    -    -    -    - 
Provision for credit losses - securities   -    -    -    -    - 
Net interest income (loss) after provision for credit losses   -    (3)   379    360    187 
Noninterest income   -    100    2,939    4,651    4,147 
Noninterest expense   -    3,641    5,181    5,848    4,686 
Loss before income taxes   -    (3,544)   (1,863)   (837)   (352)
Income tax benefit   -    (886)   (467)   (209)   (88)
Net loss  $-   $(2,658)  $(1,396)  $(628)  $(264)

 

 

(3) National mortgage banking operations were ceased in the quarter ended December 31, 2023 and subsequent immaterial mortgage lending activity is reported within the Core Banking segment.

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
Segmented Statements of Income Information  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands, except percentage data)  2024   2023   2023   2023   2023 
Net Income (Loss) Per Share by Segment                         
Net income per share, basic - Core Banking  $0.66   $0.59   $0.22   $0.43   $0.57 
Net income (loss) per share, basic - SBA Lending (Q2 Business Capital, LLC)   0.06    (0.07)   (0.12)   -    0.01 
Net income (loss) per share, basic - Mortgage Banking   0.00    (0.40)   (0.21)   (0.09)   (0.04)
Total net income (loss) per share, basic  $0.72   $0.12   $(0.11)  $0.34   $0.54 
                          
Net Income (Loss) Per Diluted Share by Segment                         
Net income per share, diluted - Core Banking  $0.66   $0.59   $0.22   $0.43   $0.57 
Net income (loss) per share, diluted - SBA Lending (Q2 Business Capital, LLC)   0.06    (0.07)   (0.12)   -    0.01 
Net loss per share, diluted - Mortgage Banking   0.00    (0.40)   (0.21)   (0.09)   (0.04)
Total net income (loss) per share, diluted  $0.72   $0.12   $(0.11)  $0.34   $0.54 
                          
Return on Average Assets by Segment (annualized) (4)                         
Core Banking   0.80%   0.73%   0.28%   0.61%   0.85%
SBA Lending   1.81%   (2.11%)   (3.81%)   0.15%   0.42%
                          
Efficiency Ratio by Segment (annualized) (4)                         
Core Banking   63.06%   69.31%   83.17%   71.62%   69.32%
SBA Lending   82.52%   106.98%   214.22%   125.57%   97.54%
     
     
   Three Months Ended 
Noninterest Expense Detail by Segment  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands)  2024   2023   2023   2023   2023 
Core Banking Segment:                         
Compensation  $5,656   $5,691   $6,528   $4,978   $5,578 
Occupancy   1,615    1,481    1,418    1,738    1,401 
Advertising   205    189    404    334    298 
Other   2,617    2,891    5,209    3,960    3,374 
Total Noninterest Expense  $10,093   $10,252   $13,559   $11,010   $10,651 
                          
SBA Lending Segment (Q2 Business Capital, LLC):                         
Compensation  $1,933   $1,826   $1,533   $1,803   $1,800 
Occupancy   58    91    68    70    70 
Advertising   7    10    10    11    8 
Other   (313)   219    1,296    223    784 
Total Noninterest Expense  $1,685   $2,146   $2,907   $2,107   $2,662 
                          
Mortgage Banking Segment: (3) (5)                         
Compensation  $-   $2,146   $3,647   $4,357   $3,029 
Occupancy   -    469    395    469    449 
Advertising   -    119    129    191    213 
Other   -    907    1,010    831    995 
Total Noninterest Expense  $-   $3,641   $5,181   $5,848   $4,686 

 

 

(4) Ratios for Mortgage Banking Segment are not considered meaningful due to cessation of national mortgage banking operations in the quarter ended December 31, 2023.

 

(5) 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 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):  

   Three Months Ended 
SBA Lending (Q2 Business Capital, LLC) Data  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands, except percentage data)  2024   2023   2023   2023   2023 
Final funded loans guaranteed portion sold, SBA  $15,144   $14,098   $8,431   $7,721   $15,337 
                          
Gross gain on sales of loans, SBA  $1,443   $1,303   $809   $780   $1,293 
Weighted average gross gain on sales of loans, SBA   9.53%   9.24%   9.60%   10.10%   8.43%
                          
Net gain on sales of loans, SBA (6)  $951   $834   $538   $497   $907 
Weighted average net gain on sales of loans, SBA   6.28%   5.92%   6.38%   6.44%   5.91%

 

 

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

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
Summarized Consolidated Average Balance Sheets  March 31,   December 31,   September 30,   June 30,   March 31, 
(In thousands)  2024   2023   2023   2023   2023 
Interest-earning assets                         
Average balances:                         
Interest-bearing deposits with banks  $24,587   $20,350   $21,631   $20,661   $27,649 
Loans   1,914,609    1,857,654    1,796,749    1,719,733    1,621,147 
Investment securities - taxable   102,699    103,728    105,393    109,319    110,373 
Investment securities - nontaxable   157,960    159,907    160,829    234,118    242,530 
FRB and FHLB stock   24,986    24,968    24,939    24,509    23,289 
Total interest-earning assets  $2,224,841   $2,166,607   $2,109,541   $2,108,340   $2,024,988 
                          
Interest income (tax equivalent basis):                         
Interest-bearing deposits with banks  $261   $249   $266   $267   $192 
Loans   27,133    26,155    25,214    23,279    21,339 
Investment securities - taxable   923    942    969    984    957 
Investment securities - nontaxable   1,662    1,687    1,695    2,456    2,533 
FRB and FHLB stock   499    74    428    423    364 
Total interest income (tax equivalent basis)  $30,478   $29,107   $28,572   $27,409   $25,385 
                          
Weighted average yield (tax equivalent basis, annualized):                         
Interest-bearing deposits with banks   4.25%   4.89%   4.92%   5.17%   2.78%
Loans   5.67%   5.63%   5.61%   5.41%   5.27%
Investment securities - taxable   3.59%   3.63%   3.68%   3.60%   3.47%
Investment securities - nontaxable   4.21%   4.22%   4.22%   4.20%   4.18%
FRB and FHLB stock   7.99%   1.19%   6.86%   6.90%   6.25%
Total interest-earning assets   5.48%   5.37%   5.42%   5.20%   5.01%
                          
Interest-bearing liabilities                         
Interest-bearing deposits  $1,549,012   $1,389,384   $1,385,994   $1,278,776   $1,251,080 
Fed funds purchased   -    -    76    11    - 
Federal Home Loan Bank borrowings   333,275    440,786    353,890    434,182    374,593 
Subordinated debt and other borrowings   48,497    48,458    48,406    49,339    50,293 
Total interest-bearing liabilities  $1,930,784   $1,878,628   $1,788,366   $1,762,308   $1,675,966 
                          
Interest expense:                         
Interest-bearing deposits  $12,546   $9,989   $9,457   $7,791   $6,265 
Fed funds purchased   -    -    1    -    - 
Federal Home Loan Bank borrowings   2,298    3,769    2,459    3,446    2,915 
Subordinated debt and other borrowings   833    784    684    696    719 
Total interest expense  $15,677   $14,542   $12,601   $11,933   $9,899 
                          
Weighted average cost (annualized):                         
Interest-bearing deposits   3.24%   2.88%   2.73%   2.44%   2.00%
Fed funds purchased   0.00%   0.00%   5.26%   0.00%   0.00%
Federal Home Loan Bank borrowings   2.76%   3.42%   2.78%   3.17%   3.11%
Subordinated debt and other borrowings   6.87%   6.47%   5.65%   5.64%   5.72%
Total interest-bearing liabilities   3.25%   3.10%   2.82%   2.71%   2.36%
                          
Net interest income (taxable equivalent basis)  $14,801   $14,565   $15,971   $15,476   $15,486 
Less: taxable equivalent adjustment   (463)   (452)   (435)   (611)   (574)
Net interest income  $14,338   $14,113   $15,536   $14,865   $14,912 
                          
Interest rate spread (tax equivalent basis, annualized)   2.23%   2.27%   2.60%   2.49%   2.65%
                          
Net interest margin (tax equivalent basis, annualized)   2.66%   2.69%   3.03%   2.94%   3.06%

 

 

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Apr. 25, 2024
Cover [Abstract]  
Document Type 8-K
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Document Period End Date Apr. 25, 2024
Entity File Number 001-34155
Entity Registrant Name FIRST SAVINGS FINANCIAL GROUP, INC.
Entity Central Index Key 0001435508
Entity Tax Identification Number 37-1567871
Entity Incorporation, State or Country Code IN
Entity Address, Address Line One 702 North Shore Drive
Entity Address, Address Line Two Suite 300
Entity Address, City or Town Jeffersonville
Entity Address, State or Province IN
Entity Address, Postal Zip Code 47130
City Area Code 812
Local Phone Number 283-0724
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, par value $0.01 per share
Trading Symbol FSFG
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
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