0000939057-24-000022.txt : 20240129 0000939057-24-000022.hdr.sgml : 20240129 20240129125814 ACCESSION NUMBER: 0000939057-24-000022 CONFORMED SUBMISSION TYPE: 8-K/A PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20240125 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240129 DATE AS OF CHANGE: 20240129 FILER: COMPANY DATA: COMPANY CONFORMED NAME: First Financial Northwest, Inc. CENTRAL INDEX KEY: 0001401564 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 260610707 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K/A SEC ACT: 1934 Act SEC FILE NUMBER: 001-33652 FILM NUMBER: 24572324 BUSINESS ADDRESS: STREET 1: 201 WELLS AVENUE SOUTH CITY: RENTON STATE: WA ZIP: 98057 BUSINESS PHONE: (425) 255-4400 MAIL ADDRESS: STREET 1: 201 WELLS AVENUE SOUTH CITY: RENTON STATE: WA ZIP: 98057 8-K/A 1 ffnw8ka12524.htm
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K/A
Amendment No. 1

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 25, 2024

                  First Financial Northwest, Inc.                 
Exact name of registrant as specified in its charter)

Washington
  
001-33652
  
26-0610707
State or other jurisdiction of
Incorporation
  
Commission
File Number
  
(I.R.S. Employer
Identification No.)
         
201 Wells Avenue South, Renton, Washington
  
98057
(Address of principal executive offices)
  
(Zip Code)

Registrant’s telephone number (including area code) (425) 255-4400

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
  
FFNW
  
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 25, 2024, First Financial Northwest, Inc. issued its earnings release for the quarter and year ended December 31, 2023 (“Original Filing”). This Amendment No. 1 on Form 8-K/A is being filed to correct the earnings release attached as Exhibit 99.1 to the Original Filing.  Specifically, in the loan portfolio table on page 10, in the December 31, 2023 column under one-to-four family residential, the numbers for permanent owner occupied and permanent non-owner occupied inadvertently got switched. This amendment corrects the error in both the permanent owner occupied and permanent non-owner occupied line items.   A copy of the corrected earnings release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.


Item 9.01. Financial Statements and Exhibits

(d)           Exhibits

  104             Cover Page Interactive Data File (embedded within the Inline XBRL document)


















2
SIGNATURES


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, hereunto duly authorized.

 
FIRST FINANCIAL NORTHWEST, INC.
 
 
 
 
DATE: January 29, 2024
By:  /s/ Richard P. Jacobson                       
 
       Richard P. Jacobson
       Executive Vice President and
       Chief Financial Officer



       











3
 EX-99.1 2 ffnw8ka12524exh991.htm
Exhibit 99.1




 
For more information, contact:
Joseph W. Kiley III, President and Chief Executive Officer
Rich Jacobson, Executive Vice President and Chief Financial Officer
(425) 255-4400




CORRECTING and REPLACING – First Financial Northwest, Inc.
Reports Net Income of $1.2 Million or $0.13 per Diluted Share for the Fourth Quarter
and $6.3 Million or $0.69 per Diluted Share for the Year Ended December 31, 2023

Renton, Washington – January 26, 2024 - First Financial Northwest, Inc. (the “Company”) (NASDAQ GS: FFNW), the holding company for First Financial Northwest Bank (the “Bank”), announced corrections to its press release issued on Thursday, January 25, 2024. Specifically, the loan portfolio table on page 10 of the press release presented transposed totals and percentages for permanent owner occupied and permanent non-owner occupied one-to-four family residential loans for the quarter ended December 31, 2023. The complete, corrected release follows:

First Financial Northwest, Inc. (the “Company”) (NASDAQ GS: FFNW), the holding company for First Financial Northwest Bank (the “Bank”), today reported net income for the quarter ended December 31, 2023, of $1.2 million, or $0.13 per diluted share, compared to $1.5 million, or $0.16 per diluted share, for the quarter ended September 30, 2023, and $3.2 million, or $0.35 per diluted share, for the quarter ended December 31, 2022. For the year ended December 31, 2023, net income was $6.3 million, or $0.69 per diluted share, compared to net income of $13.2 million, or $1.45 per diluted share, for the year ended December 31, 2022.

“Credit quality remained strong as of year-end with nonperforming assets of $220,000 on a $1.2 billion total loan portfolio. Our analysis of the allowance for credit losses was influenced by various factors during the quarter, including shifts in the balances and composition of the loan portfolio, a credit downgrade from “pass” to “watch” involving a $12.8 million lending relationship secured by mixed-use commercial real estate, and improvements in the unemployment rate forecast. After careful consideration, our analysis concluded that no provision for credit losses was necessary for the quarter,” stated Joseph W. Kiley III, President and CEO.

“Persistently elevated short term interest rates and intense competition have continued to place pressure on deposit rates, impacting our net interest income. Despite these challenges, we continue to actively manage these expenses to the extent possible, while prioritizing maintaining deposit balances and meeting our customers’ needs,” continued Kiley.

“Throughout the fourth quarter of 2023, our focus on cost reduction and operational efficiency yielded a decrease in noninterest expenses. We previously reported that we were in search of a senior C&I lending credit officer. However, in light of the announcement that we have entered into a Purchase and Assumption Agreement with Global Federal Credit Union pursuant to which Global will acquire substantially all of the assets and assume substantially all of the liabilities of the Bank, those hiring plans are currently on hold as we pursue regulatory approval for the sale,” concluded Kiley.

Highlights for the quarter and year ended December 31, 2023:
•
Net loans receivable increased by $7.8 million in the quarter to $1.18 billion at December 31, 2023, on continued strength in our construction/land and one-to-four family residential portfolios, along with modest growth observed in other business and consumer loans.
•
Book value per share was $17.61 at December 31, 2023, compared to $17.35 and $17.57 for September 30, 2023 and December 31, 2022, respectively.
•
Paid regular quarterly cash dividends to shareholders totaling $0.52 per share for the year, an 8.3% increase over the prior year.
•
The Bank’s Tier 1 leverage and total capital ratios were 10.2% and 16.2% at December 31, 2023, compared to 10.3% and 16.0% at September 30, 2023, and 10.3% and 15.6% at December 31, 2022, respectively.
•
Credit quality remained strong with nonperforming assets totaling $220,000, or 0.01% of total assets, and an additional $1.2 million in loans over 30 days past due at December 31, 2023.
•
Based on management’s evaluation of the adequacy of the allowance for credit losses (“ACL”) at December 31, 2023, the Company did not record a provision for credit losses during the quarter, resulting in a net recapture of provision for credit losses of $208,000 for the year. The Company recorded a $434,000 recapture of provision for credit losses for the year ended December 31, 2022.
Deposits totaled $1.19 billion at December 31, 2023, compared to $1.21 billion at September 30, 2023, and $1.17 billion at December 31, 2022. Total deposits decreased $16.3 million for the quarter ended December 31, 2023, compared to the quarter ended September 30, 2023, primarily due to a $45.2 million decrease in brokered deposits and a $7.1 million decrease in demand deposits, partially offset by a $28.2 million increase in money market balances and a $7.7 million increase in retail certificates of deposit. Management continues to consider various sources of funds, including wholesale markets, brokered deposits and the national deposit market to fund its growth. Total deposits were up $24.1 million at December 31, 2023, compared to $1.17 billion at December 31, 2022.
The following table presents a breakdown of our total deposits (unaudited):

   
Dec 31,
2023
    
Sep 30,
2023
    
Dec 31,
2022
    
Three
Month
Change
    
One
Year
Change
  
Deposits:
  
(Dollars in thousands)
  
Noninterest-bearing demand
  
$
100,899
    
$
104,164
    
$
119,944
    
$
(3,265
)
  
$
(19,045
)
Interest-bearing demand
    
56,968
      
60,816
      
96,632
      
(3,848
)
    
(39,664
)
Savings
    
18,886
      
18,844
      
23,636
      
42
      
(4,750
)
Money market
    
529,411
      
501,168
      
542,388
      
28,243
      
(12,977
)
Certificates of deposit, retail
    
357,153
      
349,446
      
262,554
      
7,707
      
94,599
  
Brokered deposits
    
130,790
      
175,972
      
124,886
      
(45,182
)
    
5,904
  
Total deposits
  
$
1,194,107
    
$
1,210,410
    
$
1,170,040
    
$
(16,303
)
  
$
24,067
  


2
The following tables present an analysis of total deposits by branch office (unaudited):
December 31, 2023
  
   
Noninterest-
bearing
demand
    
Interest-
bearing
demand
    
Savings
    
Money
market
    
Certificates
of deposit,
retail
    
Brokered
deposits
    
Total
  
   
(Dollars in thousands)
  
King County
                                          
Renton
  
$
32,707
    
$
16,280
    
$
12,637
    
$
317,003
    
$
241,983
    
$
-
    
$
620,610
  
Landing
    
2,789
      
1,658
      
104
      
12,447
      
9,842
      
-
      
26,840
  
Woodinville
    
1,909
      
2,292
      
1,000
      
9,491
      
10,671
      
-
      
25,363
  
Bothell
    
3,380
      
840
      
33
      
1,892
      
4,738
      
-
      
10,883
  
Crossroads
    
11,075
      
3,873
      
45
      
27,564
      
14,958
      
-
      
57,515
  
Kent
    
7,267
      
5,086
      
4
      
16,424
      
7,706
      
-
      
36,487
  
Kirkland
    
9,341
      
1,989
      
137
      
12,233
      
2,032
      
-
      
25,732
  
Issaquah
    
1,646
      
1,696
      
57
      
2,417
      
6,213
      
-
      
12,029
  
Total King County
    
70,114
      
33,714
      
14,017
      
399,471
      
298,143
      
-
      
815,459
  
Snohomish County
                                                        
Mill Creek
    
4,985
      
2,333
      
850
      
13,672
      
8,309
      
-
      
30,149
  
Edmonds
    
11,455
      
5,386
      
460
      
26,458
      
14,375
      
-
      
58,134
  
Clearview
    
4,614
      
4,964
      
1,541
      
17,597
      
9,243
      
-
      
37,959
  
Lake Stevens
    
3,849
      
4,919
      
940
      
24,009
      
12,633
      
-
      
46,350
  
Smokey Point
    
2,665
      
4,333
      
1,060
      
44,484
      
11,750
      
-
      
64,292
  
Total Snohomish County
    
27,568
      
21,935
      
4,851
      
126,220
      
56,310
      
-
      
236,884
  
Pierce County
                                                        
University Place
    
2,205
      
67
      
3
      
2,496
      
1,172
      
-
      
5,943
  
Gig Harbor
    
1,012
      
1,252
      
15
      
1,224
      
1,528
      
-
      
5,031
  
Total Pierce County
    
3,217
      
1,319
      
18
      
3,720
      
2,700
      
-
      
10,974
  
                                                         
Brokered deposits
    
-
      
-
      
-
      
-
      
-
      
130,790
      
130,790
  
                                                         
Total deposits
  
$
100,899
    
$
56,968
    
$
18,886
    
$
529,411
    
$
357,153
    
$
130,790
    
$
1,194,107
  

September 30, 2023
  
   
Noninterest-
bearing
demand
    
Interest-
bearing
demand
    
Savings
    
Money
market
    
Certificates
of deposit,
retail
    
Brokered
deposits
    
Total
  
   
(Dollars in thousands)
  
King County
                                          
Renton
  
$
32,025
    
$
15,316
    
$
12,140
    
$
284,433
    
$
239,940
    
$
-
    
$
583,854
  
Landing
    
3,036
      
1,689
      
91
      
16,606
      
8,934
      
-
      
30,356
  
Woodinville
    
2,377
      
2,425
      
981
      
9,016
      
10,453
      
-
      
25,252
  
Bothell
    
3,798
      
751
      
35
      
4,363
      
2,365
      
-
      
11,312
  
Crossroads
    
10,589
      
4,067
      
77
      
28,773
      
14,460
      
-
      
57,966
  
Kent
    
6,665
      
7,397
      
4
      
13,310
      
7,839
      
-
      
35,215
  
Kirkland
    
10,385
      
1,765
      
148
      
12,277
      
1,174
      
-
      
25,749
  
Issaquah
    
1,476
      
1,966
      
30
      
3,719
      
6,170
      
-
      
13,361
  
Total King County
    
70,351
      
35,376
      
13,506
      
372,497
      
291,335
      
-
      
783,065
  
Snohomish County
                                                        
Mill Creek
    
5,126
      
3,474
      
639
      
14,069
      
7,910
      
-
      
31,218
  
Edmonds
    
11,817
      
6,735
      
950
      
24,681
      
14,848
      
-
      
59,031
  
Clearview
    
5,497
      
5,468
      
1,495
      
18,896
      
9,132
      
-
      
40,488
  
Lake Stevens
    
3,740
      
4,567
      
964
      
23,657
      
12,126
      
-
      
45,054
  
Smokey Point
    
3,568
      
3,877
      
1,272
      
42,544
      
11,835
      
-
      
63,096
  
Total Snohomish County
    
29,748
      
24,121
      
5,320
      
123,847
      
55,851
      
-
      
238,887
  
Pierce County
                                                        
University Place
    
3,176
      
99
      
3
      
3,279
      
996
      
-
      
7,553
  
Gig Harbor
    
889
      
1,220
      
15
      
1,545
      
1,264
      
-
      
4,933
  
Total Pierce County
    
4,065
      
1,319
      
18
      
4,824
      
2,260
      
-
      
12,486
  
                                                         
Brokered deposits
    
-
      
-
      
-
      
-
      
-
      
175,972
      
175,972
  
                                                         
Total deposits
  
$
104,164
    
$
60,816
    
$
18,844
    
$
501,168
    
$
349,446
    
$
175,972
    
$
1,210,410
  

3
Net loans receivable totaled $1.18 billion at December 31, 2023, compared to $1.17 billion at both September 30, 2023 and December 31, 2022. During the quarter ended December 31, 2023, new originations of primarily construction/land and one-to-four family residential loans outpaced total loan repayments in the quarter. The average balance of net loans receivable totaled $1.17 billion for both the quarter ended December 31, 2023 and September 30, 2023, compared to $1.15 billion for the quarter ended December 31, 2022. For the year ended December 31, 2023, the average balance of net loans receivable was $1.17 billion, compared to $1.13 billion for the year ended December 31, 2022.

The allowance for credit losses (“ACL”) represented 1.28% of total loans receivable at December 31, 2023, compared to 1.29% at both September 30, 2023 and December 31, 2022.

Nonperforming loans totaled $220,000 at December 31, 2023, compared to $201,000 at September 30, 2023, and $193,000 at December 31, 2022. There was no other real estate owned (“OREO”) at December 31, 2023, September 30, 2023, or December 31, 2022.
The following table presents a breakdown of our nonperforming assets (unaudited):
   
Dec 31,
    
Sep 30,
    
Dec 31,
    
Three
Month
    
One
Year
  
   
2023
    
2023
    
2022
    
Change
    
Change
  
   
(Dollars in thousands)
  
Nonperforming loans:
                              
Consumer
  
$
220
    
$
201
    
$
193
    
$
19
    
$
27
  
Total nonperforming loans
    
220
      
201
      
193
      
19
      
27
  
                                         
OREO
    
–
      
–
    
─
     
–
      
–
  
                                         
Total nonperforming assets
  
$
220
    
$
201
    
$
193
    
$
19
    
$
27
  
                                         
Nonperforming assets as a percent
                                        
of total assets
    
0.01
%
    
0.01
%
    
0.01
%
                

Net interest income totaled $9.3 million for the quarter ended December 31, 2023, down from $9.7 million and $12.4 million for the quarters ended September 30, 2023 and December 31, 2022, respectively. The decrease in the current quarter compared to the quarter ended September 30, 2023, was primarily due to higher interest expense on deposits, reflecting the sustained high levels of short-term interest rates and intense competition for deposits. Since March 2022, the Federal Open Market Committee of the Federal Reserve System has increased the target range for the federal funds rate by 525 basis points to a range of 5.25% to 5.50%. For the year ended December 31, 2023, net interest income totaled $40.5 million, compared to $48.4 million for the year ended December 31, 2022, as the increase in interest expense on liabilities outpaced the increase in interest income on loans and investments.

Total interest income was $20.3 million for the quarter ended December 31, 2023, compared to $19.7 million  and $17.3 million for the quarters ended September 30, 2023 and December 31, 2022, respectively. Yield on loans increased to 5.83% during the recent quarter, compared to 5.73% and 5.19% for the quarters ended September 30, 2023, and December 31, 2022, respectively. Yield on investments increased to 4.11% during the current quarter, compared to 3.98% and 3.60% for the quarters ended September 30, 2023, and December 31, 2022, respectively.

4
Total interest expense was $11.0 million for the quarter ended December 31, 2023, up from $10.0 million and $4.9 million for the quarters ended September 30, 2023 and December 31, 2022, respectively. The average cost of interest-bearing deposits was 3.62% for the quarter ended December 31, 2023, compared to 3.33%  and 1.51% for the quarters ended September 30, 2023 and December 31, 2022, respectively. The increase from the quarter ended September 30, 2023, was due primarily to increased interest expense on money market and certificate of deposit balances along with the maturity of brokered deposits with lower rates that were entered into during a lower rate environment. Advances from the FHLB totaled $125.0 million at both December 31, 2023 and September 30, 2023, compared to $145.0 million at December 31, 2022. At December 31, 2023, $115.0 million of our $125.0 million of FHLB advances were tied to cash flow hedge agreements where the Bank pays a fixed rate and receives a variable rate in return to assist in the Bank’s interest rate risk management efforts. These cash flow hedge agreements had a weighted average remaining term of 36 months and a weighted average fixed interest rate of 1.87% as of December 31, 2023. The average cost of borrowings was 2.40% for the quarter ended December 31, 2023, compared to 2.42% and 2.46% for the quarters ended September 30, 2023 and December 31, 2022, respectively.

The net interest margin was 2.54% for the quarter ended December 31, 2023, down from 2.69% and 3.52% for the quarters ended September 30, 2023 and December 31, 2022, respectively. The decrease compared to the quarter ended September 30, 2023, was due primarily to the increase in the cost of interest-bearing liabilities outpacing the yields on interest-earnings assets. The average cost of interest-bearing liabilities increased 26 basis points to 3.50% during the quarter, from 3.24% during the quarter ended September 30, 2023, and increased 187 basis points from 1.63% during the quarter ended December 31, 2022, while the average yield on interest-earning assets increased 10 basis points to 5.56% during the fourth quarter of 2023, from 5.46% during the quarter ended September 30, 2023, and increased 66 basis points from 4.90% during the quarter ended December 31, 2022. The decline in the net interest margin in the current quarter was due in large part to the maturity of lower cost retail and brokered certificates of deposit, repricing in a higher interest rate environment. The net interest margin for the month of December 2023 was 2.52%.

Noninterest income for the quarter ended December 31, 2023, totaled $633,000, down from $677,000 and $720,000 for the quarters ended September 30, 2023 and December 31, 2022, respectively. The decrease compared to the quarter ended September 30, 2023, was primarily due to a $30,000 decrease in other noninterest income related to our fintech focused venture capital investment and lower loan and deposit related fees, partially offset by increases in wealth management revenue and BOLI income. The decrease in the quarter ended December 31, 2023, as compared to the quarter ended December 31, 2022, primarily reflects reduced loan related fees and the absence of a net gain on sale of investments, partially offset by higher BOLI income and wealth management revenue. Noninterest income declined $474,000 to $2.8 million for the year ended December 31, 2023, from $3.2 million for the year ended December 31, 2022, due primarily to a $644,000 decline in loan related fees due largely to a $495,000 decline in loan prepayment penalties, along with a $59,000 decline in wealth management revenue, partially offset by increases in other noninterest and BOLI income.

Noninterest expense totaled $8.4 million for the quarter ended December 31, 2023, down from $8.8 million and $8.7 million for the quarters ended September 30, 2023 and December 31, 2022, respectively. The decrease  compared to the quarter ended September 30, 2023, was primarily due to decreases of $196,000 in salaries and employee benefits and $122,000 in professional fees. The decline in salaries and employee benefit expenses was due primarily to the reversal of $250,000 in incentive accruals following an analysis of the metrics impacting employee incentives for the year, compared to no incentive accrual activity in the quarter ended September 30, 2023. The decrease compared to the quarter ended December 31, 2022, was primarily due to decreases of $176,000 in professional fees, $155,000 in salaries and employee benefits and $153,000 in other general and administrative expenses, partially offset by increases of $88,000 in regulatory assessments, $84,000 in data processing and $76,000 in occupancy and equipment expenses. Noninterest expense totaled $35.7 million for the year ended December 31, 2023, compared to $35.6 million for the year ended December 31, 2022. The

5
moderate increase year over was due primarily to an increase in regulatory assessments and other general and administrative expenses, partially offset by declines in salaries and employee benefits and professional fees.

First Financial Northwest, Inc. is the parent company of First Financial Northwest Bank; an FDIC insured Washington State-chartered commercial bank headquartered in Renton, Washington, serving the Puget Sound Region through 15 full-service banking offices. For additional information about us, please visit our website at ffnwb.com and click on the “Investor Relations” link at the bottom of the page.

Forward-looking statements:
When used in this press release and in other documents filed with or furnished to the Securities and Exchange Commission (the “SEC”), in press releases or other public stockholder communications, or in oral statements made with the approval of an authorized executive officer, the words or phrases “believe,” “will,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project,” “plans,” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995.  Forward-looking statements are not historical facts but instead represent management’s current expectations and forecasts regarding future events many of which are inherently uncertain and outside of our control. Actual results may differ, possibly materially from those currently expected or projected in these forward-looking statements made by, or on behalf of, us and could negatively affect our operating and stock performance. Factors that could cause our actual results to differ materially from those described in the forward-looking statements, include, but are not limited to, the following: potential adverse impacts to economic conditions in our local market areas, other markets where the Company has lending relationships, or other aspects of the Company’s business operations or financial markets, including, without limitation, as a result of employment levels, labor shortages and the effects of inflation, a potential recession or slowed economic growth; changes in the interest rate environment, including the recent increases in the Federal Reserve benchmark rate and duration at which such increased interest rate levels are maintained, which could adversely affect our revenues and expenses, the value of assets and obligations, and the availability and cost of capital and liquidity; the impact of continuing high inflation and the current and future monetary policies of the Federal Reserve in response thereto; the effects of any federal government shutdown; increased competitive pressures; legislative and regulatory changes; the impact of bank failures or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment; disruptions, security breaches, or other adverse events, failures or interruptions in, or attacks on, our information technology systems or on the third-party vendors who perform several of our critical processing functions; effects of critical accounting policies and judgments, including the use of estimate in determining fair value of certain of our assets, which estimates may prove to be incorrect and result in significant declines in valuation; the effects of climate change, severe weather events, natural disasters, pandemics, epidemics and other public health crises, acts of war or terrorism, and other external events on our business; and other factors described in the Company’s latest Annual Report on Form 10-K and Quarterly Reports on Form 10-Q and other reports filed with or furnished to the Securities and Exchange Commission – that are available on our website at www.ffnwb.com and on the SEC’s website at www.sec.gov.

Any of the forward-looking statements that we make in this Press Release and in the other public statements are based upon management’s beliefs and assumptions at the time they are made and may turn out to be wrong because of the inaccurate assumptions we might make, because of the factors illustrated above or because of other factors that we cannot foresee. Therefore, these factors should be considered in evaluating the forward-looking statements, and undue reliance should not be placed on such statements. We do not undertake and specifically disclaim any obligation to revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.










6
FIRST FINANCIAL NORTHWEST, INC. AND SUBSIDIARIES
Consolidated Balance Sheets
(Dollars in thousands, except share data)
(Unaudited)

Assets
  
Dec 31,
 2023
    
Sep 30,
2023
    
Dec 31,
2022
    
Three
Month
Change
    
One
Year
Change
  
                               
Cash on hand and in banks
  
$
8,391
    
$
8,074
    
$
7,722
      
3.9
%
    
8.7
%
Interest-earning deposits with banks
    
22,138
      
49,618
      
16,598
      
(55.4
)
    
33.4
  
Investments available-for-sale, at fair value
    
207,915
      
204,975
      
217,778
      
1.4
      
(4.5
)
Investments held-to-maturity, at amortized cost
    
2,456
      
2,450
      
2,444
      
0.2
      
0.5
  
Loans receivable, net of allowance of $15,306,
   $15,306, and $15,227 respectively
    
1,175,925
      
1,168,079
      
1,167,083
      
0.7
      
0.8
  
Federal Home Loan Bank ("FHLB") stock, at cost
    
6,527
      
6,803
      
7,512
      
(4.1
)
    
(13.1
)
Accrued interest receivable
    
7,359
      
7,263
      
6,513
      
1.3
      
13.0
  
Deferred tax assets, net
    
2,648
      
3,156
      
2,597
      
(16.1
)
    
2.0
  
Premises and equipment, net
    
19,667
      
19,921
      
21,192
      
(1.3
)
    
(7.2
)
Bank owned life insurance ("BOLI"), net
    
37,653
      
37,398
      
36,286
      
0.7
      
3.8
  
Prepaid expenses and other assets
    
10,478
      
13,673
      
12,479
      
(23.4
)
    
(16.0
)
Right of use asset ("ROU"), net
    
2,617
      
2,818
      
3,275
      
(7.1
)
    
(20.1
)
Goodwill
    
889
      
889
      
889
      
0.0
      
0.0
  
Core deposit intangible, net
    
419
      
451
      
548
      
(7.1
)
    
(23.5
)
Total assets
  
$
1,505,082
    
$
1,525,568
    
$
1,502,916
      
(1.3
)
    
0.1
  
                                         
Liabilities and Stockholders' Equity
                                        
                                         
Deposits
                                        
Noninterest-bearing deposits
  
$
100,899
    
$
104,164
    
$
119,944
      
(3.1
)
    
(15.9
)
Interest-bearing deposits
    
1,093,208
      
1,106,246
      
1,050,096
      
(1.2
)
    
4.1
  
Total deposits
    
1,194,107
      
1,210,410
      
1,170,040
      
(1.3
)
    
2.1
  
Advances from the FHLB
    
125,000
      
125,000
      
145,000
      
0.0
      
(13.8
)
Advance payments from borrowers for taxes and insurance
    
2,952
      
4,760
      
3,051
      
(38.0
)
    
(3.2
)
Lease liability, net
    
2,806
      
3,011
      
3,454
      
(6.8
)
    
(18.8
)
Accrued interest payable
    
2,739
      
2,646
      
328
      
3.5
      
735.1
  
Other liabilities
    
15,818
      
20,506
      
20,683
      
(22.9
)
    
(23.5
)
Total liabilities
    
1,343,422
      
1,366,333
      
1,342,556
      
(1.7
)
    
0.1
  
                                         
Commitments and contingencies
                                        
                                         
Stockholders' Equity
                                        
Preferred stock, $0.01 par value; authorized
   10,000,000 shares; no shares issued or outstanding
    
-
      
-
      
-
      
n/a
      
n/a
  
Common stock, $0.01 par value; authorized
   90,000,000 shares; issued and outstanding
   9,179,510 shares at December 31, 2023,
   9,179,510 shares at September 30, 2023, and
   9,127,595 shares at December 31, 2022
    
92
      
92
      
91
      
0.0
      
1.1
  
Additional paid-in capital
    
73,035
      
72,926
      
72,424
      
0.1
      
0.8
  
Retained earnings
    
96,206
      
96,206
      
95,059
      
0.0
      
1.2
  
Accumulated other comprehensive loss, net of tax
    
(7,673
)
    
(9,989
)
    
(7,214
)
    
(23.2
)
    
6.4
  
Total stockholders' equity
    
161,660
      
159,235
      
160,360
      
1.5
      
0.8
  
Total liabilities and stockholders' equity
  
$
1,505,082
    
$
1,525,568
    
$
1,502,916
      
(1.3
)%
    
0.1
%


7
FIRST FINANCIAL NORTHWEST, INC. AND SUBSIDIARIES
Consolidated Income Statements
(Dollars in thousands, except share data)
(Unaudited)

   
Quarter Ended
              
   
Dec 31,
2023
    
Sep 30,
2023
    
Dec 31,
2022
    
Three
Month
Change
    
One
Year
Change
  
Interest income
                              
Loans, including fees
  
$
17,143
    
$
16,918
    
$
15,042
      
1.3
%
    
14.0
%
Investments
    
2,143
      
2,118
      
2,007
      
1.2
      
6.8
  
Interest-earning deposits with banks
    
880
      
525
      
205
      
67.6
      
329.3
  
Dividends on FHLB Stock
    
121
      
113
      
89
      
7.1
      
36.0
  
Total interest income
    
20,287
      
19,674
      
17,343
      
3.1
      
17.0
  
Interest expense
                                        
Deposits
    
10,281
      
9,205
      
3,972
      
11.7
      
158.8
  
FHLB advances and other borrowings
    
731
      
766
      
928
      
(4.6
)
    
(21.2
)
Total interest expense
    
11,012
      
9,971
      
4,900
      
10.4
      
124.7
  
Net interest income
    
9,275
      
9,703
      
12,443
      
(4.4
)
    
(25.5
)
(Recapture of provision) provision for credit losses
    
-
      
(300
)
    
486
      
(100.0
)
    
(100.0
)
Net interest income after (recapture of provision)
   provision for credit losses
    
9,275
      
10,003
      
11,957
      
(7.3
)
    
(22.4
)
                                         
Noninterest income
                                        
Net gain on sale of investments
    
-
      
-
      
27
      
n/a
      
(100.0
)
BOLI income
    
255
      
244
      
222
      
4.5
      
14.9
  
Wealth management revenue
    
60
      
53
      
36
      
13.2
      
66.7
  
Deposit related fees
    
234
      
247
      
231
      
(5.3
)
    
1.3
  
Loan related fees
    
60
      
79
      
172
      
(24.1
)
    
(65.1
)
Other
    
24
      
54
      
32
      
(55.6
)
    
(25.0
)
Total noninterest income
    
633
      
677
      
720
      
(6.5
)
    
(12.1
)
                                         
Noninterest expense
                                        
Salaries and employee benefits
    
4,822
      
5,018
      
4,977
      
(3.9
)
    
(3.1
)
Occupancy and equipment
    
1,231
      
1,193
      
1,155
      
3.2
      
6.6
  
Professional fees
    
431
      
553
      
607
      
(22.1
)
    
(29.0
)
Data processing
    
718
      
742
      
634
      
(3.2
)
    
13.2
  
Regulatory assessments
    
196
      
200
      
108
      
(2.0
)
    
81.5
  
Insurance and bond premiums
    
113
      
111
      
111
      
1.8
      
1.8
  
Marketing
    
70
      
97
      
77
      
(27.8
)
    
(9.1
)
Other general and administrative
    
858
      
856
      
1,011
      
0.2
      
(15.1
)
Total noninterest expense
    
8,439
      
8,770
      
8,680
      
(3.8
)
    
(2.8
)
Income before federal income tax  provision
    
1,469
      
1,910
      
3,997
      
(23.1
)
    
(63.2
)
Federal income tax provision
    
275
      
409
      
771
      
(32.8
)
    
(64.3
)
Net income
  
$
1,194
    
$
1,501
    
$
3,226
      
(20.5
)%
    
(63.0
)%
                                         
Basic earnings per share
  
$
0.13
    
$
0.16
    
$
0.35
                  
Diluted earnings per share
  
$
0.13
    
$
0.16
    
$
0.35
                  
 
Weighted average number of common shares outstanding
    
9,151,892
      
9,127,568
      
9,073,323
                  
Weighted average number of diluted shares outstanding
    
9,176,724
      
9,150,059
      
9,149,044
                  




8
FIRST FINANCIAL NORTHWEST, INC. AND SUBSIDIARIES
Consolidated Income Statements
(Dollars in thousands, except share data)
(Unaudited)

   
Year Ended December 31,
        
   
2023
    
2022
    
One
Year
Change
  
Interest income
                  
Loans, including fees
  
$
66,938
    
$
52,935
      
26.5
%
Investments
    
8,474
      
5,603
      
51.2
  
Interest-earning deposits with banks
    
2,261
      
386
      
485.8
  
Dividends on FHLB Stock
    
485
      
318
      
52.5
  
Total interest income
    
78,158
      
59,242
      
31.9
  
Interest expense
                        
Deposits
    
34,407
      
8,955
      
284.2
  
FHLB advances
    
3,208
      
1,934
      
65.9
  
Total interest expense
    
37,615
      
10,889
      
245.4
  
Net interest income
    
40,543
      
48,353
      
(16.2
)
Recapture of provision for credit losses
    
(208
)
    
(434
)
    
(52.1
)
Net interest income after recapture of provision for credit losses
    
40,751
      
48,787
      
(16.5
)
                         
Noninterest income
                        
Net gain on sale of investments
    
-
      
27
      
(100.0
)
BOLI
    
1,081
      
1,004
      
7.7
  
Wealth management revenue
    
253
      
312
      
(18.9
)
Deposit accounts related fees
    
956
      
936
      
2.1
  
Loan related fees
    
275
      
919
      
(70.1
)
Other
    
208
      
49
      
324.5
  
Total noninterest income
    
2,773
      
3,247
      
(14.6
)
                         
Noninterest expense
                        
Salaries and employee benefits
    
20,366
      
21,133
      
(3.6
)
Occupancy and equipment
    
4,748
      
4,776
      
(0.6
)
Professional fees
    
2,288
      
2,339
      
(2.2
)
Data processing
    
2,857
      
2,678
      
6.7
  
Regulatory assessments
    
763
      
403
      
89.3
  
Insurance and bond premiums
    
468
      
464
      
0.9
  
Marketing
    
343
      
303
      
13.2
  
Other general and administrative
    
3,833
      
3,529
      
8.6
  
Total noninterest expense
    
35,666
      
35,625
      
0.1
  
Income before federal income tax  provision
    
7,858
      
16,409
      
(52.1
)
Federal income tax provision
    
1,553
      
3,169
      
(51.0
)
Net income
  
$
6,305
    
$
13,240
      
(52.4
)%
                         
Basic earnings per share
  
$
0.69
    
$
1.47
          
Diluted earnings per share
  
$
0.69
    
$
1.45
          
 
Weighted average number of common shares outstanding
    
9,126,209
      
9,006,369
          
Weighted average number of diluted shares outstanding
    
9,152,617
      
9,102,283
          

9
The following table presents a breakdown of the loan portfolio (unaudited):
   
December 31, 2023
    
September 30, 2023
    
December 31, 2022
  
   
Amount
    
Percent
    
Amount
    
Percent
    
Amount
    
Percent
  
   
(Dollars in thousands)
  
Commercial real estate:
                                    
Residential:
                                    
Multifamily
  
$
138,149
      
11.6
%
  
$
140,022
      
11.7
%
  
$
126,866
      
10.7
%
Total multifamily residential
    
138,149
      
11.6
      
140,022
      
11.7
      
126,866
      
10.7
  
                                                 
Non-residential:
                                                
Office
    
72,778
      
6.1
      
72,773
      
6.1
      
84,301
      
7.1
  
Retail
    
124,172
      
10.4
      
130,101
      
11.0
      
132,917
      
11.3
  
Mobile home park
    
21,701
      
1.8
      
21,285
      
1.8
      
25,283
      
2.1
  
Hotel / motel
    
63,597
      
5.3
      
63,954
      
5.4
      
55,408
      
4.7
  
Nursing Home
    
11,610
      
1.0
      
11,676
      
1.0
      
12,348
      
1.0
  
Warehouse
    
19,218
      
1.6
      
19,446
      
1.6
      
19,917
      
1.7
  
Storage
    
33,033
      
2.8
      
33,229
      
2.8
      
33,797
      
2.9
  
Other non-residential
    
31,750
      
2.6
      
42,227
      
3.7
      
43,933
      
3.7
  
Total non-residential
    
377,859
      
31.6
      
394,691
      
33.4
      
407,904
      
34.5
  
                                                 
Construction/land:
                                                
One-to-four family residential
    
47,149
      
4.0
      
43,532
      
3.7
      
52,492
      
4.5
  
Multifamily
    
4,004
      
0.3
      
2,043
      
0.2
      
15,393
      
1.3
  
Land development
    
9,771
      
0.8
      
9,766
      
0.8
      
9,759
      
0.8
  
Total construction/land
    
60,924
      
5.1
      
55,341
      
4.7
      
77,644
      
6.6
  
                                                 
One-to-four family residential:
                                                
Permanent owner occupied
    
284,471
      
23.9
      
260,970
      
22.1
      
232,869
      
19.7
  
Permanent non-owner occupied
    
228,752
      
19.2
      
232,238
      
19.6
      
241,311
      
20.4
  
Total one-to-four family residential
    
513,223
      
43.1
      
493,208
      
41.7
      
474,180
      
40.1
  
                                                 
Business
                                                
Aircraft
    
1,945
      
0.1
      
1,981
      
0.2
      
2,087
      
0.2
  
Small Business Administration ("SBA")
    
1,794
      
0.3
      
1,810
      
0.3
      
514
      
0.1
  
Paycheck Protection Plan ("PPP")
    
473
      
0.0
      
551
      
0.0
      
783
      
0.1
  
Other business
    
24,869
      
2.1
      
23,633
      
1.9
      
27,979
      
2.3
  
Total business
    
29,081
      
2.5
      
27,975
      
2.4
      
31,363
      
2.7
  
                                                 
Consumer
                                                
Classic, collectible and other auto
    
58,618
      
5.0
      
59,955
      
5.1
      
55,838
      
4.7
  
Other consumer
    
13,377
      
1.1
      
12,193
      
1.0
      
8,515
      
0.7
  
Total consumer
    
71,995
      
6.1
      
72,148
      
6.1
      
64,353
      
5.4
  
                                                 
Total loans
    
1,191,231
      
100.0
%
    
1,183,385
      
100.0
%
    
1,182,310
      
100.0
%
Less:
                                                
ACL
    
15,306
              
15,306
              
15,227
          
Loans receivable, net
  
$
1,175,925
            
$
1,168,079
            
$
1,167,083
          
                                                 
Concentrations of credit: (1)
                                                
Construction loans as % of total capital
    
38.3
%
            
37.8
%
            
53.1
%
        
Total non-owner occupied commercial
real estate as % of total capital
    
316.8
%
            
328.1
%
            
346.9
%
        
 (1) Concentrations of credit percentages are for First Financial Northwest Bank only using classifications in accordance with FDIC regulatory guidelines.


10
FIRST FINANCIAL NORTHWEST, INC. AND SUBSIDIARIES
Key Financial Measures
(Unaudited)

   
At or For the Quarter Ended
  
   
Dec 31,
    
Sep 30,
    
Jun 30,
    
Mar 31,
    
Dec 31,
  
   
2023
    
2023
    
2023
    
2023
    
2022
  
   
(Dollars in thousands, except per share data)
  
Performance Ratios: (1)
                              
Return on assets
    
0.31
%
    
0.39
%
    
0.39
%
    
0.57
%
    
0.86
%
Return on equity
    
2.97
      
3.71
      
3.74
      
5.31
      
8.04
  
Dividend payout ratio
    
100.00
      
79.26
      
79.90
      
56.52
      
34.29
  
Equity-to-assets ratio
    
10.74
      
10.44
      
10.39
      
10.14
      
10.67
  
Tangible equity ratio (2)
    
10.66
      
10.36
      
10.31
      
10.06
      
10.58
  
Net interest margin
    
2.54
      
2.69
      
2.84
      
3.22
      
3.52
  
Average interest-earning assets to average interest-bearing
   liabilities
    
115.84
      
116.94
      
116.27
      
117.78
      
117.93
  
Efficiency ratio
    
85.17
      
84.49
      
85.57
      
75.12
      
65.94
  
Noninterest expense as a percent of average total assets
    
2.18
      
2.29
      
2.50
      
2.42
      
2.30
  
Book value per common share
  
$
17.61
    
$
17.35
    
$
17.35
    
$
17.45
    
$
17.57
  
Tangible book value per share (2)
    
17.47
      
17.20
      
17.20
      
17.30
      
17.41
  
                                         
Capital Ratios: (3)
                                        
Tier 1 leverage ratio
    
10.18
%
    
10.25
%
    
10.02
%
    
10.24
%
    
10.31
%
Common equity tier 1 capital ratio
    
14.90
      
14.75
      
14.49
      
14.33
      
14.37
  
Tier 1 capital ratio
    
14.90
      
14.75
      
14.49
      
14.33
      
14.37
  
Total capital ratio
    
16.15
      
16.00
      
15.75
      
15.59
      
15.62
  
                                         
Asset Quality Ratios: (4)
                                        
Nonperforming loans as a percent of total loans
    
0.02
%
    
0.02
%
    
0.02
%
    
0.02
%
    
0.02
%
Nonperforming assets as a percent of total assets
    
0.01
      
0.01
      
0.01
      
0.01
      
0.01
  
ACL as a percent of total loans
    
1.28
      
1.29
      
1.31
      
1.33
      
1.29
  
Net (recoveries) charge-offs to average loans receivable,
   net
    
0.00
      
0.00
      
0.00
      
(0.00
)
    
(0.00
)
                                         
Allowance for Credit Losses:
                                        
ACL, beginning of the quarter
  
$
15,306
    
$
15,606
    
$
16,028
    
$
15,227
    
$
14,726
  
Beginning balance adjustment from adoption of
Topic 326
    
-
      
-
      
-
      
500
      
-
  
(Recapture of provision) provision
    
-
      
(300
)
    
(400
)
    
300
      
500
  
Charge-offs
    
-
      
-
      
(22
)
    
-
      
-
  
Recoveries
    
-
      
-
      
-
      
1
      
1
  
ACL, end of the quarter
  
$
15,306
    
$
15,306
    
$
15,606
    
$
16,028
    
$
15,227
  
(1) Performance ratios are calculated on an annualized basis.
(2) Tangible equity and tangible assets exclude goodwill and core deposit intangible assets. Tangible equity, tangible assets, tangible equity ratio and tangible book value per share are non-GAAP financial measures. Refer to Non-GAAP Financial Measures at the end of this press release for a reconciliation to the nearest GAAP equivalents.
(3) Capital ratios are for First Financial Northwest Bank only.
(4) Loans are reported net of undisbursed funds.



11
FIRST FINANCIAL NORTHWEST, INC. AND SUBSIDIARIES
Key Financial Measures
(Unaudited)

   
At or For the Quarter Ended
  
   
Dec 31,
    
Sep 30,
    
Jun 30,
    
Mar 31,
    
Dec 31,
  
   
2023
    
2023
    
2023
    
2023
    
2022
  
   
(Dollars in thousands)
  
Yields and Costs: (1)
                              
Yield on loans
    
5.83
%
    
5.73
%
    
5.71
%
    
5.56
%
    
5.19
%
Yield on investments
    
4.11
      
3.98
      
3.93
      
3.88
      
3.60
  
Yield on interest-earning deposits
    
5.32
      
5.18
      
4.91
      
4.40
      
3.31
  
Yield on FHLB stock
    
7.29
      
6.57
      
7.06
      
7.30
      
4.58
  
Yield on interest-earning assets
    
5.56
%
    
5.46
%
    
5.43
%
    
5.29
%
    
4.90
%
                                         
Cost of interest-bearing deposits
    
3.62
%
    
3.33
%
    
3.06
%
    
2.41
%
    
1.51
%
Cost of borrowings
    
2.40
      
2.42
      
2.55
      
2.69
      
2.46
  
Cost of interest-bearing liabilities
    
3.50
%
    
3.24
%
    
3.01
%
    
2.44
%
    
1.63
%
                                         
Cost of total deposits
    
3.31
%
    
3.03
%
    
2.78
%
    
2.17
%
    
1.36
%
Cost of funds
    
3.23
      
2.97
      
2.76
      
2.23
      
1.48
  
                                         
Average Balances:
                                        
Loans
  
$
1,167,339
    
$
1,171,483
    
$
1,182,939
    
$
1,168,539
    
$
1,150,181
  
Investments
    
206,837
      
211,291
      
215,113
      
219,969
      
221,113
  
Interest-earning deposits
    
65,680
      
40,202
      
50,691
      
21,729
      
24,608
  
FHLB stock
    
6,584
      
6,820
      
6,814
      
7,219
      
7,710
  
Total interest-earning assets
  
$
1,446,440
    
$
1,429,796
    
$
1,455,557
    
$
1,417,456
    
$
1,403,612
  
                                         
Interest-bearing deposits
  
$
1,127,690
    
$
1,097,324
    
$
1,126,598
    
$
1,065,827
    
$
1,040,357
  
Borrowings
    
120,978
      
125,402
      
125,275
      
137,600
      
149,946
  
Total interest-bearing liabilities
  
$
1,248,668
    
$
1,222,726
    
$
1,251,873
    
$
1,203,427
    
$
1,190,303
  
Noninterest-bearing deposits
    
102,869
      
109,384
      
111,365
      
115,708
      
121,518
  
Total deposits and borrowings
  
$
1,351,537
    
$
1,332,110
    
$
1,363,238
    
$
1,319,135
    
$
1,311,821
  
                                         
Average assets
  
$
1,538,955
    
$
1,522,224
    
$
1,547,321
    
$
1,509,297
    
$
1,496,125
  
Average stockholders' equity
    
159,659
      
160,299
      
159,764
      
162,016
      
159,120
  
(1) Yields and costs are annualized.





12
FIRST FINANCIAL NORTHWEST, INC. AND SUBSIDIARIES
Key Financial Measures
(Unaudited)

   
At or For the Year Ended December 31,
  
   
2023
    
2022
    
2021
    
2020
    
2019
  
         
(Dollars in thousands, except per share data)
        
Performance Ratios:
                              
Return on assets
    
0.41
%
    
0.91
%
    
0.86
%
    
0.63
%
    
0.80
%
Return on equity
    
3.93
      
8.34
      
7.65
      
5.50
      
6.73
  
Dividend payout ratio
    
75.36
      
32.65
      
33.59
      
45.45
      
33.65
  
Equity-to-assets ratio
    
10.74
      
10.67
      
11.07
      
11.26
      
11.65
  
Tangible equity ratio (1)
    
10.66
      
10.58
      
10.97
      
11.15
      
11.53
  
Net interest margin
    
2.82
      
3.54
      
3.35
      
3.15
      
3.19
  
Average interest-earning assets to average interest-
   bearing liabilities
    
116.69
      
119.18
      
118.59
      
115.62
      
113.44
  
Efficiency ratio
    
82.34
      
69.04
      
68.32
      
72.39
      
70.66
  
Noninterest expense as a percent of average total assets
    
2.33
      
2.44
      
2.35
      
2.39
      
2.35
  
Book value per common share
  
$
17.61
    
$
17.57
    
$
17.30
    
$
16.05
    
$
15.25
  
Tangible book value per share (1)
    
17.47
      
17.41
      
17.13
      
15.88
      
15.07
  
                                         
Capital Ratios: (2)
                                        
Tier 1 leverage ratio
    
10.18
%
    
10.31
%
    
10.34
%
    
10.29
%
    
10.27
%
Common equity tier 1 capital ratio
    
14.90
      
14.37
      
14.23
      
14.32
      
13.13
  
Tier 1 capital ratio
    
14.90
      
14.37
      
14.23
      
14.32
      
13.13
  
Total capital ratio
    
16.15
      
15.62
      
15.48
      
15.57
      
14.38
  
                                         
Asset Quality Ratios: (3)
                                        
Nonperforming loans as a percent of total loans
    
0.02
%
    
0.02
%
    
0.00
%
    
0.19
%
    
0.01
%
Nonperforming assets as a percent of total assets
    
0.01
      
0.01
      
0.00
      
0.18
      
0.04
  
ACL as a percent of total loans
    
1.28
      
1.29
      
1.40
      
1.36
      
1.18
  
Net charge-offs (recoveries) to average loans
   receivable, net
    
0.00
      
0.00
      
(0.02
)
    
(0.00
)
    
(0.02
)
                                         
Allowance for Credit Losses:
                                        
ACL, beginning of the year
  
$
15,227
    
$
15,657
    
$
15,174
    
$
13,218
    
$
13,347
  
Beginning balance adjustment from adoption of
   Topic 326
    
500
      
-
      
-
      
-
      
-
  
(Recapture of provision) provision
    
(400
)
    
(400
)
    
300
      
1,900
      
(300
)
Charge-offs
    
(22
)
    
(37
)
    
-
      
(2
)
    
-
  
Recoveries
    
1
      
7
      
183
      
58
      
171
  
ACL, end of the year
  
$
15,306
    
$
15,227
    
$
15,657
    
$
15,174
    
$
13,218
  
(1) Tangible equity and tangible assets exclude goodwill and core deposit intangible assets. Tangible equity, tangible, tangible equity ratio and tangible book value per share are non-GAAP financial measures. Refer to Non-GAAP Financial Measures at the end of this press release for a reconciliation to the nearest GAAP equivalents.
(2) Capital ratios are for First Financial Northwest Bank only.
(3) Loans are reported net of undisbursed funds.




13
FIRST FINANCIAL NORTHWEST, INC. AND SUBSIDIARIES
Key Financial Measures (continued)
(Unaudited)

   
At or For the Year Ended December 31,
  
   
2023
    
2022
    
2021
    
2020
    
2019
  
   
(Dollars in thousands)
  
Yields and Costs:
                              
Yield on loans
    
5.71
%
    
4.69
%
    
4.57
%
    
4.69
%
    
5.15
%
Yield on investments
    
3.97
      
2.77
      
1.83
      
2.39
      
3.11
  
Yield on interest-earning deposits
    
5.06
      
1.28
      
0.12
      
0.21
      
2.15
  
Yield on FHLB stock
    
7.07
      
5.08
      
5.29
      
4.85
      
5.42
  
Yield on interest-earning assets
    
5.44
%
    
4.33
%
    
4.01
%
    
4.36
%
    
4.88
%
                                         
Cost of deposits
    
3.12
%
    
0.87
%
    
0.71
%
    
1.42
%
    
1.90
%
Cost of borrowings
    
2.52
      
1.70
      
1.39
      
1.31
      
2.09
  
Cost of interest-bearing liabilities
    
3.05
%
    
0.95
%
    
0.78
%
    
1.41
%
    
1.92
%
                                         
Cost of interest-bearing deposits
    
2.83
%
    
0.77
%
    
0.64
%
    
1.32
%
    
1.81
%
Cost of funds
    
2.80
      
0.86
      
0.71
      
1.32
      
1.84
  
                                         
Average Balances:
                                        
Loans
  
$
1,172,569
    
$
1,128,835
    
$
1,098,772
    
$
1,120,889
    
$
1,061,367
  
Investments
    
213,261
      
203,165
      
176,110
      
133,584
      
139,354
  
Interest-earning deposits
    
44,684
      
30,176
      
60,482
      
25,108
      
13,634
  
FHLB stock
    
6,857
      
6,256
      
6,271
      
6,600
      
6,684
  
Total interest-earning assets
  
$
1,437,371
    
$
1,368,432
    
$
1,341,635
    
$
1,286,181
    
$
1,221,039
  
                                         
Interest-bearing deposits
  
$
1,104,510
    
$
1,034,351
    
$
1,015,852
    
$
987,069
    
$
946,484
  
Borrowings
    
127,263
      
113,890
      
115,466
      
125,392
      
129,899
  
Total interest-bearing liabilities
  
$
1,231,773
    
$
1,148,241
    
$
1,131,318
    
$
1,112,461
    
$
1,076,383
  
Noninterest-bearing deposits
    
109,795
      
125,166
      
112,484
      
75,388
      
48,434
  
Total deposits and borrowings
  
$
1,341,568
    
$
1,273,407
    
$
1,243,802
    
$
1,187,849
    
$
1,124,817
  
                                         
Average assets
  
$
1,529,511
    
$
1,455,739
    
$
1,421,476
    
$
1,361,604
    
$
1,294,164
  
Average stockholders' equity
    
160,428
      
158,685
      
160,041
      
155,587
      
154,092
  








14
Non-GAAP Financial Measures
In addition to financial results presented in accordance with generally accepted accounting principles utilized in the United States ("GAAP"), this earnings release contains non-GAAP financial measures that include tangible equity, tangible assets, tangible book value per share, and the tangible equity-to-assets ratio. The Company believes that these non-GAAP financial measures and ratios as presented are useful for both investors and management to understand the effects of goodwill and core deposit intangible, net and provides an alternative view of the Company’s performance over time and in comparison to the Company’s competitors. Non-GAAP financial measures have limitations, are not required to be uniformly applied and are not audited. They should not be considered in isolation and are not a substitute for other measures in this earnings release that are presented in accordance with GAAP. These non-GAAP measures may not be comparable to similarly titled measures reported by other companies.

The following tables provide a reconciliation between the GAAP and non-GAAP measures:

   
Quarter Ended
  
    Dec 31,
2023		     Sep 30,
2023		     Jun 30,
2023		     Mar 31,
2023		    
Dec 31,
2022
  
    (Dollars in thousands, except per share data)      
 
                               
Tangible equity to tangible assets and tangible book value per share:
                             
                               
   Total stockholders' equity (GAAP)
  
$
161,660
    
$
159,235
    
$
158,715
    
$
159,645
    
$
160,360
  
   Less:
                                        
   Goodwill
    
889
      
889
      
889
      
889
      
889
  
   Core deposit intangible, net
    
419
      
451
      
484
      
516
      
548
  
   Tangible equity (Non-GAAP)
  
$
160,352
    
$
157,895
    
$
157,342
    
$
158,240
    
$
158,923
  
 
                                        
   Total assets (GAAP)
  
$
1,505,082
    
$
1,525,568
    
$
1,528,079
    
$
1,574,271
    
$
1,502,916
  
   Less:
                                        
   Goodwill
    
889
      
889
      
889
      
889
      
889
  
   Core deposit intangible, net
    
419
      
451
      
484
      
516
      
548
  
   Tangible assets (Non-GAAP)
  
$
1,503,774
    
$
1,524,228
    
$
1,526,706
    
$
1,572,866
    
$
1,501,479
  
 
                                        
   Common shares outstanding at period end
    
9,179,510
      
9,179,510
      
9,148,086
      
9,148,086
      
9,127,595
  
 
                                        
   Equity-to-assets ratio (GAAP)
    
10.74
%
    
10.44
%
    
10.39
%
    
10.14
%
    
10.67
%
   Tangible equity-to-tangible assets ratio (Non‑GAAP)
    
10.66
      
10.36
      
10.31
      
10.06
      
10.58
  
   Book value per common share (GAAP)
  
$
17.61
    
$
17.35
    
$
17.35
    
$
17.45
    
$
17.57
  
   Tangible book value per share (Non-GAAP)
    
17.47
      
17.20
      
17.20
      
17.30
      
17.41
  






15


   
Year Ended December 31,
  
    2023     2022
    2021
    2020
    2019
 
   
(Dollars in thousands, except per share data)
  
                               
Tangible equity to tangible assets and tangible book value per share:
                             
                               
   Total stockholders' equity (GAAP)
  
$
161,660
    
$
160,360
    
$
157,879
    
$
156,302
    
$
156,319
  
   Less:
                                        
   Goodwill
    
889
      
889
      
889
      
889
      
889
  
   Core deposit intangible
    
419
      
548
      
684
      
824
      
968
  
   Tangible equity (Non-GAAP)
  
$
160,352
    
$
158,923
    
$
156,306
    
$
154,589
    
$
154,462
  
 
                                        
   Total assets (GAAP)
    
1,505,082
      
1,502,916
      
1,426,329
      
1,387,669
      
1,341,885
  
   Less:
                                        
   Goodwill
    
889
      
889
      
889
      
889
      
889
  
   Core deposit intangible
    
419
      
548
      
684
      
824
      
968
  
   Tangible assets (Non-GAAP)
  
$
1,503,774
    
$
1,501,479
    
$
1,424,756
    
$
1,385,956
    
$
1,340,028
  
 
                                        
   Common shares outstanding at period end
    
9,179,510
      
9,127,595
      
9,125,759
      
9,736,875
      
10,252,953
  
 
                                        
   Equity-to-assets ratio (GAAP)
    
10.74
%
    
10.67
%
    
11.07
%
    
11.26
%
    
11.65
%
   Tangible equity ratio (Non-GAAP)
    
10.66
      
10.58
      
10.97
      
11.15
      
11.53
  
   Book value per common share (GAAP)
  
$
17.61
    
$
17.57
    
$
17.30
    
$
16.05
    
$
15.25
  
   Tangible book value per share (Non-GAAP)
    
17.47
      
17.41
      
17.13
      
15.88
      
15.07
  








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Document and Entity Information
Jan. 25, 2024
Cover [Abstract]  
Document Type 8-K/A
Amendment Flag false
Document Period End Date Jan. 25, 2024
Entity File Number 001-33652
Entity Registrant Name First Financial Northwest, Inc.
Entity Central Index Key 0001401564
Entity Incorporation, State or Country Code WA
Entity Tax Identification Number 26-0610707
Entity Address, Address Line One 201 Wells Avenue South
Entity Address, City or Town Renton
Entity Address, State or Province WA
Entity Address, Postal Zip Code 98057
City Area Code 425
Local Phone Number 255-4400
Title of 12(b) Security Common Stock, par value $0.01 per share
Trading Symbol FFNW
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
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