0001104659-24-083348.txt : 20240729 0001104659-24-083348.hdr.sgml : 20240729 20240729093813 ACCESSION NUMBER: 0001104659-24-083348 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20240725 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240729 DATE AS OF CHANGE: 20240729 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: 241149318 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 tm2420296d1_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): July 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 July 25, 2024, First Savings Financial Group, Inc. announced its financial results for the three and nine months ended June 30, 2024. The press release announcing the financial results for the three and nine months ended June 30, 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 July 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: July 25, 2024 By: /s/Tony A. Schoen
  Tony A. Schoen
  Chief Financial Officer

 

 

 

 EX-99.1 2 tm2420296d1_ex99-1.htm EXHIBIT 99.1

Exhibit 99.1

 

FIRST SAVINGS FINANCIAL GROUP, INC. REPORTS FINANCIAL RESULTS FOR THE THIRD FISCAL QUARTER ENDED JUNE 30, 2024

 

Jeffersonville, Indiana — July 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 $4.1 million, or $0.60 per diluted share, for the quarter ended June 30, 2024 compared to net income of $2.3 million, or $0.34 per diluted share, for the quarter ended June 30, 2023. Excluding nonrecurring items, the Company reported net income of $3.5 million (non-GAAP measure)(1) and net income per diluted share of $0.52 (non-GAAP measure)(1) for the quarter ended June 30, 2024 compared to $2.3 million, or $0.34 per diluted share for the quarter ended June 30, 2023. The core banking segment reported net income of $4.7 million, or $0.69 per diluted share for the quarter ended June 30, 2024 compared to $2.9 million, or $0.43 per diluted share for the quarter ended June 30, 2023. Excluding nonrecurring items, the core banking segment reported net income of $4.2 million, or $0.61 per diluted share for the quarter ended June 30, 2024 (non-GAAP measure)(1) compared to $2.9 million, or $0.43 per diluted share for the quarter ended June 30, 2023.

 

Commenting on the Company’s performance, Larry W. Myers, President and CEO, stated “We’re pleased to experience stabilization of the net interest margin along with a slowed pace of deposit migration into higher cost types and we’re very well positioned to benefit in a rates-down environment. Asset quality remains strong and we’re well prepared for any financial downturn that may occur. The results of the SBA Lending segment were disappointing, particularly with respect to loan sales. The SBA Lending pipeline is strong heading into the fourth fiscal quarter and we continue to evaluate strategies to improve financial performance. Additionally, we continue to evaluate and implement strategies to reduce balance sheet and operating inefficiencies. We continue to focus on 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 June 30, 2024 and 2023

 

Net interest income decreased $331,000, or 2.2%, to $14.5 million for the three months ended June 30, 2024 as compared to the same period in 2023. The tax equivalent net interest margin was 2.67% for the three months ended June 30, 2024 as compared to 2.94% for the same period in 2023. The decrease in net interest income was due to a $4.6 million increase in interest expense, partially offset by a $4.3 million increase in interest income. An average balance table including average asset yields and average liability costs is included in the table at the end of this release.

 

The Company recognized a provision for credit losses for loans of $501,000, a provision for unfunded lending commitments of $158,000 and a provision for credit losses for securities of $84,000 for the three months ended June 30, 2024, compared to a provision for loan losses of $441,000 for the same period in 2023. The Company recognized net charge-offs of $105,000 for the three months ended June 30, 2024, of which $49,000 was related to unguaranteed portions of SBA loans, compared to net charge-offs of $61,000 in 2023.

 

 

 

 

Noninterest income decreased $4.0 million for the three months ended June 30, 2024 as compared to the same period in 2023. The decrease was due primarily to a $4.6 million decrease in mortgage banking income due to the cessation of national mortgage banking operations in the quarter ended December 31, 2023. In addition, the Company recorded the estimated fair market value on Visa Class C shares of $436,000, with no corresponding amount for the same period in 2023.

 

Noninterest expense decreased $6.5 million for the three months ended June 30, 2024 as compared to the same period in 2023. The decrease was due primarily to decreases in compensation and benefits expense of $3.7 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. In addition, the Company recognized a reversal of a contingency accrual of $283,000 during the quarter ended June 30, 2024, with no corresponding amount during the same period in 2023.

 

The Company recognized income tax expense of $483,000 for the three months ended June 30, 2024 compared to $331,000 for the same period in 2023. The increase was primarily due to higher taxable income in the 2024 period. The effective tax rate for 2024 was 10.6%, which was a decrease from the effective tax rate of 12.5% in 2023. The decrease in the effective tax rate was due primarily to greater utilization of solar tax credits in 2024 as compared to 2023.

 

Results of Operations for the Nine Months Ended June 30, 2024 and 2023

 

The Company reported net income of $9.9 million, or $1.45 per diluted share, for the nine months ended June 30, 2024 compared to net income of $8.9 million, or $1.29 per diluted share, for the nine months ended June 30, 2023. Excluding nonrecurring items, the Company reported net income of $9.4 million (non-GAAP measure)(1) and net income per diluted share of $1.37 (non-GAAP measure)(1) for the nine months ended June 30, 2024 compared to $8.9 million, or $1.29 per diluted share for the nine months ended June 30, 2023. The core banking segment reported net income of $13.3 million, or $1.94 per diluted share for the nine months ended June 30, 2024 compared to $12.3 million, or $1.79 for the nine months ended June 30, 2023. Excluding nonrecurring items, the core banking segment reported net income of $12.7 million (non-GAAP measure)(1), or $1.86 per diluted share for the nine months ended June 30, 2024 (non-GAAP measure)(1). Compared to $12.3 million, or $1.79 for the nine months ended June 30, 2023.

 

Net interest income decreased $3.1 million, or 6.6%, to $43.0 million for the nine months ended June 30, 2024 as compared to the same period 2023. The tax equivalent net interest margin for the nine months ended June 30, 2024 was 2.67% as compared to 3.13% for the same period in 2023. The decrease in net interest income was due to a $17.7 million increase in interest expense, partially offset by a $14.7 million increase in interest income. An average balance table including average asset yields and average liability costs is included in the table at the end of this release.

 

The Company recognized a provision for credit losses for loans of $1.7 million, a credit for unfunded lending commitments of $159,000 and a provision for credit losses for securities of $107,000 for the nine months ended June 30, 2024, compared to a provision for loan losses of $1.8 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 $2.8 million from $13.9 million at September 30, 2023 to $16.8 million at June 30, 2024. The Company recognized net charge-offs of $224,000 for the nine months ended June 30, 2024, of which $15,000 was related to unguaranteed portions of SBA loans, compared to net charge-offs of $320,000 in 2023, of which $264,000 was related to unguaranteed portions of SBA loans.

 

 

 

 

Noninterest income decreased $10.2 million for the nine months ended June 30, 2024 as compared to the same period in 2023. The decrease was due primarily to a $11.1 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 $14.2 million for the nine months ended June 30, 2024 as compared to the same period in 2023. The decrease was due primarily to decreases in compensation and benefits expense of $7.5 million and other operating expense of $4.3 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 $916,000 decrease in net loss on captive insurance due to the dissolution of the captive insurance company in 2023, a decrease in loss contingency for SBA-guaranteed loans of $755,000 in 2024 compared to an increase of $490,000 in 2023, and a decrease in loss contingency for restitution to mortgage borrowers of $300,000 in 2024 compared to an increase of $609,000 in 2023.

 

The Company recognized income tax expense of $873,000 for the nine months ended June 30, 2024 compared to tax expense of $747,000 for the same period in 2023. The increase is primarily due to higher taxable income in the 2024 period. The effective tax rate for 2024 was 8.1%, which was an increase from the effective tax rate of 7.7% in 2023. The effective tax rate is well below the statutory tax rate primarily due to the utilization of solar tax credits in both the 2024 and 2023 periods.

 

Comparison of Financial Condition at June 30, 2024 and September 30, 2023

 

Total assets increased $104.6 million, from $2.29 billion at September 30, 2023 to $2.39 billion at June 30, 2024. Net loans held for investment increased $56.7 million during the nine months ended June 30, 2024 due primarily to growth in residential construction and commercial business loans. Loans held for sale increased by $80.0 million from $45.9 million at September 30, 2023 to $125.9 million, primarily due to the transfer of approximately $108.6 million of residential first lien home equity lines of credit that are intended for sale. Residential mortgage loan servicing rights decreased $59.8 million during the nine months ended June 30, 2024, due to the sale of the entire residential mortgage loan servicing rights portfolio during the period.

 

Total liabilities increased $87.6 million due primarily to increases in FHLB borrowings of $61.8 million and increases in total deposits of $30.4 million. As of June 30, 2024, deposits exceeding the FDIC insurance limit of $250,000 per insured account were 30.3% of total deposits and 12.7% of total deposits when excluding public funds insured by the Indiana Public Deposit Insurance Fund.

 

Common stockholders’ equity increased $17.0 million, from $151.0 million at September 30, 2023 to $168.0 million at June 30, 2024, due primarily to a $12.2 million decrease in accumulated other comprehensive loss and an increase in retained net income of $4.4 million. The decrease in accumulated other comprehensive loss was due primarily to decreasing long term market interest rates during the nine months ended June 30, 2024, which resulted in an increase in the fair value of securities available for sale. At June 30, 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   Nine Months Ended 
OPERATING DATA:  June 30,   June 30, 
(In thousands, except share and per share data)  2024   2023   2024   2023 
Total interest income  $31,094   $26,798   $89,765   $75,092 
Total interest expense   16,560    11,933    46,780    29,054 
                     
Net interest income   14,534    14,865    42,985    46,038 
                     
Provision for credit losses - loans   501    441    1,684    1,797 
Provision (credit) for unfunded lending commitments   158    -    (159)   - 
Provision for credit losses - securities   84    -    107    - 
                     
Net interest income after provision for credit losses   13,791    14,424    41,353    44,241 
                     
Total noninterest income   3,196    7,196    9,688    19,900 
Total noninterest expense   12,431    18,965    40,248    54,475 
                     
Income before income taxes   4,556    2,655    10,793    9,666 
Income tax expense   483    331    873    747 
                     
Net income  $4,073   $2,324   $9,920   $8,919 
                     
Net income per share, basic  $0.60   $0.34   $1.45   $1.30 
Weighted average shares outstanding, basic   6,832,452    6,816,608    6,829,490    6,858,739 
                     
Net income per share, diluted  $0.60   $0.34   $1.45   $1.29 
Weighted average shares outstanding, diluted   6,842,336    6,819,748    6,851,145    6,893,766 
                     
                     
Performance ratios (annualized)                    
  Return on average assets   0.69%   0.29%   0.57%   0.50%
  Return on average equity   9.86%   4.01%   8.23%   6.86%
  Return on average common stockholders' equity   9.86%   4.01%   8.23%   6.86%
  Net interest margin (tax equivalent basis)   2.67%   2.94%   2.67%   3.13%
  Efficiency ratio   70.11%   88.62%   76.41%   83.45%

 

 

 

 

           QTD       FYTD 
FINANCIAL CONDITION DATA:  June 30,   March 31,   Increase   September 30,   Increase 
(In thousands, except per share data)  2024   2024   (Decrease)   2023   (Decrease) 
Total assets  $2,393,491   $2,364,983   $28,508   $2,288,854   $104,637 
Cash and cash equivalents   42,423    62,969    (20,546)   30,845    11,578 
Investment securities   238,785    240,142    (1,357)   229,039    9,746 
Loans held for sale   125,859    19,108    106,751    45,855    80,004 
Gross loans   1,846,769    1,901,850    (55,081)   1,787,143    59,626 
Allowance for credit losses (1)   19,789    19,392    397    16,900    2,889 
Interest earning assets   2,239,109    2,214,039    25,070    2,083,397    155,712 
Goodwill   9,848    9,848    -    9,848    - 
Core deposit intangibles   438    479    (41)   561    (123)
Loan servicing rights   2,860    3,028    (168)   62,819    (59,959)
Noninterest-bearing deposits   201,854    196,239    5,615    242,237    (40,383)
Interest-bearing deposits (customer)   1,111,143    1,043,032    68,111    1,001,238    109,905 
Interest-bearing deposits (brokered)   399,151    548,175    (149,024)   438,319    (39,168)
Federal Home Loan Bank borrowings   425,000    315,000    110,000    363,183    61,817 
Subordinated debt and other borrowings   48,563    48,523    40    48,444    119 
Total liabilities   2,225,491    2,199,927    25,564    2,137,873    87,618 
Accumulated other comprehensive loss   (17,415)   (17,144)   (271)   (29,587)   12,172 
Stockholders' equity   168,000    165,056    2,944    150,981    17,019 
                          
Book value per share  $24.41   $23.98    0.43   $21.99   $2.42 
Tangible book value per share - Non-GAAP (2)   22.91    22.48    0.43    20.47    2.44 
                          
Non-performing assets:                         
   Nonaccrual loans - SBA guaranteed  $5,049   $5,053   $(4)  $5,091   $(42)
   Nonaccrual loans   11,705    10,585    1,120    8,857    2,848 
      Total nonaccrual loans  $16,754   $15,638   $1,116   $13,948   $2,806 
   Accruing loans past due 90 days   -    -    -    -    - 
      Total non-performing loans   16,754    15,638    1,116    13,948    2,806 
   Foreclosed real estate   444    444    -    474    (30)
   Troubled debt restructurings classified as performing loans   -    -    -    1,266    (1,266)
      Total non-performing assets  $17,198   $16,082   $1,116   $15,688   $1,510 
                          
Asset quality ratios:                         
   Allowance for credit losses as a percent of total gross loans   1.07%   1.02%   0.05%   0.95%   0.13%
   Allowance for credit losses as a percent of nonperforming loans   118.12%   124.01%   (5.89%)   121.16%   (3.05%)
   Nonperforming loans as a percent of total gross loans   0.91%   0.82%   0.08%   0.78%   0.13%
   Nonperforming assets as a percent of total assets   0.72%   0.68%   0.04%   0.69%   0.03%

 

 

(1) The Company adopted ASU 2016-13 Topic 326 on October 1, 2023. Allowance was determined using expected loss methodology (CECL) as of June 30, 2024, 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 
   June 30,   June 30, 
   2024   2023   2024   2023 
Net Income (In thousands)                
   Net income attributable to the Company (non-GAAP)  $3,534   $2,324   $9,381   $8,919 
   Plus: Reversal of contingent liability, net of tax   212    -    212    - 
   Plus: Record Visa Class C shares, net of tax   327    -    327    - 
   Net income attributable to the Company (GAAP)  $4,073   $2,324   $9,920   $8,919 
                     
Net Income per Share, Diluted                    
   Net income per share, diluted (non-GAAP)  $0.52   $0.34   $1.37   $1.29 
   Plus: Reversal of contingent liability, net of tax   0.03    -    0.03    - 
   Plus: Record Visa Class C shares, net of tax   0.05    -    0.05    - 
   Net income per share, diluted (GAAP)  $0.60   $0.34   $1.45   $1.29 
                     
Core Banking Net Income (In thousands)                    
   Net income attributable to the Core Bank (non-GAAP)  $4,176   $2,921   $12,735   $12,304 
   Plus: Reversal of contingent liability, net of tax   212    -    212    - 
   Plus: Record Visa Class C shares, net of tax   327    -    327    - 
   Net income (loss) attributable to the Core Bank (GAAP)  $4,715   $2,921   $13,274   $12,304 
                     
Core Bank Net Income per Share, Diluted                    
   Core Bank Net income per share, diluted (non-GAAP)  $0.61   $0.43   $1.86   $1.79 
   Plus: Reversal of contingent liability, net of tax   0.03    -    0.03    - 
   Plus: Record Visa Class C shares, net of tax   0.05    -    0.05    - 
   Core Bank Net income per share, diluted (GAAP)  $0.69   $0.43   $1.94   $1.79 
                     
Efficiency Ratio (In thousands)                    
   Net interest income (GAAP)  $14,534   $14,865   $42,985   $46,038 
                     
   Noninterest income (GAAP)   3,196    7,196    9,688    19,900 
                     
   Noninterest expense (GAAP)   12,431    18,965    40,248    54,475 
                     
   Efficiency ratio (GAAP)   70.11%   85.97%   76.41%   82.62%
                     
   Noninterest income (GAAP)  $3,196   $7,196   $9,688   $19,900 
   Less: Record Visa Class C shares   (436)   -    (436)   - 
   Noninterest income (Non-GAAP)   2,760    7,196    9,252    19,900 
                     
   Noninterest expense (GAAP)  $12,431   $18,965   $40,248   $54,475 
   Plus: Reversal of contingent liability   283    -    283    - 
   Noninterest expense (Non-GAAP)   12,714    18,965    40,531    54,475 
                     
   Efficiency ratio (excluding nonrecurring items) (non-GAAP)   73.52%   85.97%   77.59%   82.62%

 

Tangible Book Value Per Share  June 30,   March 31,   Increase   September 30,   Increase 
(In thousands, except share and per share data)  2024   2024   (Decrease)   2023   (Decrease) 
Stockholders' equity, net of noncontrolling interests (GAAP)  $168,000   $165,056   $2,944   $150,981   $17,019 
  Less:  goodwill and core deposit intangibles   (10,286)   (10,327)   41    (10,409)   123 
  Tangible equity (non-GAAP)  $157,714   $154,729   $2,985   $140,572    17,142 
                          
  Outstanding common shares   6,883,656    6,883,160   $496    6,867,121    16,535 
                          
Tangible book value per share (non-GAAP)  $22.91   $22.48   $0.43   $20.47   $2.44 
                          
Book value per share (GAAP)  $24.41   $23.98   $0.43   $21.99   $2.42 

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED):

   As of 
Summarized Consolidated Balance Sheets  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands, except per share data)  2024   2024   2023   2023   2023 
Total cash and cash equivalents  $42,423   $62,969   $33,366   $30,845   $42,475 
Total investment securities   238,785    240,142    246,801    229,039    249,788 
Total loans held for sale   125,859    19,108    22,866    45,855    63,142 
Total loans, net of allowance for credit losses   1,826,980    1,882,458    1,841,953    1,770,243    1,691,289 
Loan servicing rights   2,860    3,028    3,711    62,819    64,139 
Total assets   2,393,491    2,364,983    2,308,092    2,288,854    2,260,421 
                          
   Customer deposits  $1,312,997   $1,239,271   $1,180,951   $1,243,475   $1,245,534 
   Brokered deposits   399,151    548,175    502,895    438,319    414,231 
Total deposits   1,712,148    1,787,446    1,683,846    1,681,794    1,659,765 
Federal Home Loan Bank borrowings   425,000    315,000    356,699    363,183    345,000 
                          
   Common stock and additional paid-in capital  $27,592   $27,475   $27,397   $27,064   $27,518 
   Retained earnings - substantially restricted   170,688    167,648    163,753    166,306    168,015 
   Accumulated other comprehensive income (loss)   (17,415)   (17,144)   (13,606)   (29,587)   (17,565)
   Unearned stock compensation   (999)   (1,096)   (1,194)   (1,015)   (1,113)
   Less treasury stock, at cost   (11,866)   (11,827)   (11,827)   (11,787)   (11,787)
Total stockholders' equity   168,000    165,056    164,523    150,981    165,068 
                          
Outstanding common shares   6,883,656    6,883,160    6,883,160    6,867,121    6,865,921 

 

   Three Months Ended 
Summarized Consolidated Statements of Income  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands, except per share data)  2024   2024   2023   2023   2023 
Total interest income  $31,094   $30,016   $28,655   $28,137   $26,798 
Total interest expense   16,560    15,678    14,542    12,601    11,933 
Net interest income   14,534    14,338    14,113    15,536    14,865 
Provision for credit losses - loans   501    713    412    815    441 
Provision (credit) for unfunded lending commitments   158    (259)   -    -    - 
Provision for credit losses - securities   84    23    -    -    - 
Net interest income after provision for credit losses   13,791    13,861    13,701    14,721    14,424 
                          
Total noninterest income   3,196    3,710    2,782    5,442    7,196 
Total noninterest expense   12,431    11,778    16,039    21,647    18,965 
Income (loss) before income taxes   4,556    5,793    444    (1,484)   2,655 
Income tax expense (benefit)   483    866    (476)   (737)   331 
Net income (loss)  $4,073   $4,927   $920   $(747)  $2,324 
                          
                          
Net income (loss) per share, basic  $0.60   $0.72   $0.13   $(0.11)  $0.34 
Weighted average shares outstanding, basic   6,832,452    6,832,130    6,823,948    6,817,365    6,816,608 
                          
Net income (loss) per share, diluted  $0.60   $0.72   $0.13   $(0.11)  $0.34 
Weighted average shares outstanding, diluted   6,842,336    6,859,611    6,839,704    6,837,919    6,819,748 

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
Noninterest Income Detail  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands)  2024   2024   2023   2023   2023 
  Service charges on deposit accounts  $538   $387   $473   $479   $509 
  ATM and interchange fees   593    585    449    816    615 
  Net loss on sales of available for sale securities   -    -    -    (11)   (540)
  Net unrealized gain on equity securities   419    6    38    11    11 
  Net gain on sales of loans, Small Business Administration   581    951    834    538    497 
  Mortgage banking income   49    53    89    3,018    4,668 
  Increase in cash surrender value of life insurance   353    333    329    311    279 
  Commission income   220    220    222    182    247 
  Real estate lease income   154    115    115    116    119 
  Net gain on premises and equipment   -    120    -    20    - 
  Gain from repurchase of subordinated debt   -    -    -    -    660 
  Other income   289    940    233    (38)   131 
      Total noninterest income  $3,196   $3,710   $2,782   $5,442   $7,196 

 

   Three Months Ended 
   June 30,   March 31,   December 31,   September 30,   June 30, 
Consolidated Performance Ratios (Annualized)  2024   2024   2023   2023   2023 
   Return on average assets   0.69%   0.92%   0.16%   (0.13%)   0.41%
   Return on average equity   9.86%   13.06%   2.42%   (1.82%)   5.60%
   Return on average common stockholders' equity   9.86%   13.06%   2.42%   (1.82%)   5.60%
   Net interest margin (tax equivalent basis)   2.67%   2.66%   2.69%   3.03%   2.94%
   Efficiency ratio   70.11%   65.26%   94.93%   103.19%   85.97%

 

   As of or for the Three Months Ended 
   June 30,   March 31,   December 31,   September 30,   June 30, 
Consolidated Asset Quality Ratios  2024   2024   2023   2023   2023 
   Nonperforming loans as a percentage of total loans   0.91%   0.82%   0.83%   0.78%   0.69%
   Nonperforming assets as a percentage of total assets   0.72%   0.68%   0.69%   0.69%   0.62%
   Allowance for credit losses as a percentage of total loans   1.07%   1.02%   1.01%   0.95%   0.99%
   Allowance for credit losses as a percentage of nonperforming loans   118.12%   124.01%   121.16%   121.16%   143.83%
   Net charge-offs to average outstanding loans   0.01%   0.01%   0.00%   0.04%   0.00%

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
Segmented Statements of Income Information  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands)  2024   2024   2023   2023   2023 
Core Banking Segment:                         
Net interest income  $13,590   $13,469   $13,113   $14,167   $13,407 
Provision (credit) for credit losses - loans   320    909    (49)   1,266    880 
Provision for unfunded lending commitments   64    (259)   -    -    - 
Provision for credit losses - securities   84    23    -    -    - 
Net interest income after provision for credit losses   13,122    12,796    13,162    12,901    12,527 
Noninterest income   2,474    2,537    1,679    2,136    1,965 
Noninterest expense   10,192    10,093    10,252    13,559    11,010 
Income before income taxes   5,404    5,240    4,589    1,478    3,482 
Income tax expense   689    729    541    3    561 
Net income  $4,715   $4,511   $4,048   $1,475   $2,921 
                          
SBA Lending Segment (Q2 Business Capital, LLC):                         
Net interest income  $944   $869   $1,003   $990   $1,098 
Provision (credit) for credit losses - loans   181    (196)   461    (451)   (439)
Provision for unfunded lending commitments   94    -    -    -    - 
Provision for credit losses - securities   -    -    -    -    - 
Net interest income after provision for credit losses   669    1,065    542    1,441    1,537 
Noninterest income   722    1,173    1,003    367    580 
Noninterest expense   2,239    1,685    2,146    2,907    2,107 
Income (loss) before income taxes   (848)   553    (601)   (1,099)   10 
Income tax expense (benefit)   (206)   137    (131)   (273)   (21)
Net income (loss)  $(642)  $416   $(470)  $(826)  $31 
                          
Mortgage Banking Segment: (3)                         
Net interest income (loss)  $-   $-   $(3)  $379   $360 
Provision for credit losses - loans   -    -    -    -    - 
Provision for unfunded lending commitments   -    -    -    -    - 
Provision for credit losses - securities   -    -    -    -    - 
Net interest income (loss) after provision for credit losses   -    -    (3)   379    360 
Noninterest income   -    -    100    2,939    4,651 
Noninterest expense   -    -    3,641    5,181    5,848 
Loss before income taxes   -    -    (3,544)   (1,863)   (837)
Income tax benefit   -    -    (886)   (467)   (209)
Net loss  $-   $-   $(2,658)  $(1,396)  $(628)

 

 

(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  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands, except percentage data)  2024   2024   2023   2023   2023 
Net Income (Loss) Per Share by Segment                         
Net income per share, basic - Core Banking  $0.69   $0.66   $0.59   $0.22   $0.43 
Net income (loss) per share, basic - SBA Lending (Q2 Business Capital, LLC)   (0.09)   0.06    (0.07)   (0.12)   - 
Net income (loss) per share, basic - Mortgage Banking   0.00    0.00    (0.40)   (0.21)   (0.09)
  Total net income (loss) per share, basic  $0.60   $0.72   $0.12   $(0.11)  $0.34 
                          
Net Income (Loss) Per Diluted Share by Segment                         
Net income per share, diluted - Core Banking  $0.69   $0.66   $0.59   $0.22   $0.43 
Net income (loss) per share, diluted - SBA Lending (Q2 Business Capital, LLC)   (0.09)   0.06    (0.07)   (0.12)   - 
Net loss per share, diluted - Mortgage Banking   0.00    0.00    (0.40)   (0.21)   (0.09)
  Total net income (loss) per share, diluted  $0.60   $0.72   $0.12   $(0.11)  $0.34 
                          
Return on Average Assets by Segment (annualized) (4)                         
Core Banking   0.83%   0.80%   0.73%   0.28%   0.61%
SBA Lending   (2.91%)   1.81%   (2.11%)   (3.81%)   0.15%
                          
Efficiency Ratio by Segment (annualized) (4)                         
Core Banking   63.45%   63.06%   69.31%   83.17%   71.62%
SBA Lending   134.39%   82.52%   106.98%   214.22%   125.57%

 

   Three Months Ended 
Noninterest Expense Detail by Segment  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands)  2024   2024   2023   2023   2023 
Core Banking Segment:                         
Compensation  $5,587   $5,656   $5,691   $6,528   $4,978 
Occupancy   1,573    1,615    1,481    1,418    1,738 
Advertising   253    205    189    404    334 
Other   2,779    2,617    2,891    5,209    3,960 
Total Noninterest Expense  $10,192   $10,093   $10,252   $13,559   $11,010 
                          
SBA Lending Segment (Q2 Business Capital, LLC):                         
Compensation  $1,893   $1,933   $1,826   $1,533   $1,803 
Occupancy   51    58    91    68    70 
Advertising   12    7    10    10    11 
Other   283    (313)   219    1,296    223 
Total Noninterest Expense  $2,239   $1,685   $2,146   $2,907   $2,107 
                          
Mortgage Banking Segment: (4)                         
Compensation  $-   $-   $2,146   $3,647   $4,357 
Occupancy   -    -    469    395    469 
Advertising   -    -    119    129    191 
Other   -    -    907    1,010    831 
Total Noninterest Expense  $-   $-   $3,641   $5,181   $5,848 

 

 

(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.

 

 

 

 

SUMMARIZED FINANCIAL INFORMATION (UNAUDITED) (CONTINUED):

   Three Months Ended 
SBA Lending (Q2 Business Capital, LLC) Data  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands, except percentage data)  2024   2024   2023   2023   2023 
Final funded loans guaranteed portion sold, SBA  $7,515   $15,144   $14,098   $8,431   $7,721 
                          
Gross gain on sales of loans, SBA  $811   $1,443   $1,303   $809   $780 
Weighted average gross gain on sales of loans, SBA   10.79%   9.53%   9.24%   9.60%   10.10%
                          
Net gain on sales of loans, SBA (5)  $581   $951   $834   $538   $497 
Weighted average net gain on sales of loans, SBA   7.73%   6.28%   5.92%   6.38%   6.44%

 

 

(5) 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  June 30,   March 31,   December 31,   September 30,   June 30, 
(In thousands)  2024   2024   2023   2023   2023 
Interest-earning assets                         
Average balances:                         
   Interest-bearing deposits with banks  $26,100   $24,587   $20,350   $21,631   $20,661 
   Loans   1,943,716    1,914,609    1,857,654    1,796,749    1,719,733 
   Investment securities - taxable   101,350    102,699    103,728    105,393    109,319 
   Investment securities - nontaxable   157,991    157,960    159,907    160,829    234,118 
   FRB and FHLB stock   24,986    24,986    24,968    24,939    24,509 
     Total interest-earning assets  $2,254,143   $2,224,841   $2,166,607   $2,109,541   $2,108,340 
                          
Interest income (tax equivalent basis):                         
   Interest-bearing deposits with banks  $324   $261   $249   $266   $267 
   Loans   28,155    27,133    26,155    25,214    23,279 
   Investment securities - taxable   918    923    942    969    984 
   Investment securities - nontaxable   1,665    1,662    1,687    1,695    2,456 
   FRB and FHLB stock   519    499    74    428    423 
     Total interest income (tax equivalent basis)  $31,581   $30,478   $29,107   $28,572   $27,409 
                          
Weighted average yield (tax equivalent basis, annualized):                         
   Interest-bearing deposits with banks   4.97%   4.25%   4.89%   4.92%   5.17%
   Loans   5.79%   5.67%   5.63%   5.61%   5.41%
   Investment securities - taxable   3.62%   3.59%   3.63%   3.68%   3.60%
   Investment securities - nontaxable   4.22%   4.21%   4.22%   4.22%   4.20%
   FRB and FHLB stock   8.31%   7.99%   1.19%   6.86%   6.90%
     Total interest-earning assets   5.60%   5.48%   5.37%   5.42%   5.20%
                          
Interest-bearing liabilities                         
   Interest-bearing deposits  $1,572,871   $1,549,012   $1,389,384   $1,385,994   $1,278,776 
   Fed funds purchased   -    -    -    76    11 
   Federal Home Loan Bank borrowings   351,227    333,275    440,786    353,890    434,182 
   Subordinated debt and other borrowings   48,537    48,497    48,458    48,406    49,339 
     Total interest-bearing liabilities  $1,972,635   $1,930,784   $1,878,628   $1,788,366   $1,762,308 
                          
Interest expense:                         
   Interest-bearing deposits  $12,740   $12,546   $9,989   $9,457   $7,791 
   Fed funds purchased   -    -    -    1    - 
   Federal Home Loan Bank borrowings   3,021    2,298    3,769    2,459    3,446 
   Subordinated debt and other borrowings   799    833    784    684    696 
     Total interest expense  $16,560   $15,677   $14,542   $12,601   $11,933 
                          
Weighted average cost (annualized):                         
   Interest-bearing deposits   3.24%   3.24%   2.88%   2.73%   2.44%
   Fed funds purchased   0.00%   0.00%   0.00%   5.26%   0.00%
   Federal Home Loan Bank borrowings   3.44%   2.76%   3.42%   2.78%   3.17%
   Subordinated debt and other borrowings   6.58%   6.87%   6.47%   5.65%   5.64%
     Total interest-bearing liabilities   3.36%   3.25%   3.10%   2.82%   2.71%
                          
Net interest income (taxable equivalent basis)  $15,021   $14,801   $14,565   $15,971   $15,476 
Less: taxable equivalent adjustment   (487)   (463)   (452)   (435)   (611)
Net interest income  $14,534   $14,338   $14,113   $15,536   $14,865 
                          
Interest rate spread (tax equivalent basis, annualized)   2.24%   2.23%   2.27%   2.60%   2.49%
                          
Net interest margin (tax equivalent basis, annualized)   2.67%   2.66%   2.69%   3.03%   2.94%

 

 

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Jul. 25, 2024
Cover [Abstract]  
Document Type 8-K
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Document Period End Date Jul. 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
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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
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