0001437749-21-010291.txt : 20210430 0001437749-21-010291.hdr.sgml : 20210430 20210429211738 ACCESSION NUMBER: 0001437749-21-010291 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20210428 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210430 DATE AS OF CHANGE: 20210429 FILER: COMPANY DATA: COMPANY CONFORMED NAME: First Northwest Bancorp CENTRAL INDEX KEY: 0001556727 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 461259100 STATE OF INCORPORATION: WA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36741 FILM NUMBER: 21873318 BUSINESS ADDRESS: STREET 1: 105 WEST 8TH STREET CITY: PORT ANGELES STATE: WA ZIP: 98362 BUSINESS PHONE: (360) 457-0461 MAIL ADDRESS: STREET 1: 105 WEST 8TH STREET CITY: PORT ANGELES STATE: WA ZIP: 98362 8-K 1 fnwb20210425_8k.htm FORM 8-K fnwb20210202_8k.htm
false 0001556727 0001556727 2021-04-28 2021-04-28
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of Report (Date of earliest event reported): April 28, 2021
 
FIRST NORTHWEST BANCORP
(Exact name of registrant as specified in its charter)
 
 
 
 
 
 
 
Washington
 
001-36741
 
46-1259100
(State or other jurisdiction of incorporation)
 
(Commission File Number)
 
(I.R.S. Employer Identification No.)
 
 
 
 
105 West 8th Street, Port Angeles, Washington
98362
(Address of principal executive offices)
(Zip Code)
 
Registrant's telephone number, including area code:  (360) 457-0461
 
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
 
FNWB
 
The Nasdaq Stock Market LLC
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 
 
 
 
 
 
 
Item 2.02
Results of Operations and Financial Condition
 
On April 28, 2021, First Northwest Bancorp issued an earnings release for the quarter ended March 31, 2021. A copy of the earnings release is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.
 
Item 8.01
Other Events
 
On April 28, 2021, First Northwest Bancorp announced in its earnings release that its Board of Directors has declared a quarterly cash dividend of $0.06 per share of common stock, payable on May 26, 2021, to shareholders of record as of the close of business on May 12, 2021.
.
 
 
 Item 9.01 Financial Statements and Exhibits 
(d) Exhibit.
The following exhibit is furnished with this Form 8-K.
 
 
Exhibit No.
Description
99.1
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 
 
 
 
 
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 NORTHWEST BANCORP
 
 
 
 
 
 
Date:
April 29, 2021
/s/Matthew P. Deines
 
 
Matthew P. Deines
 
 
President and Chief Executive Officer
 
 
 
 EX-99.1 2 ex_244674.htm EXHIBIT 99.1 ex_244674.htm

Exhibit 99.1

fnwblogo3in.jpg

Contact:

Matthew P. Deines, President and Chief Executive Officer

Geri Bullard, EVP and Chief Financial Officer

First Northwest Bancorp

360-457-0461

 

First Northwest Bancorp Earns $3.1 Million, or $0.34 Per Diluted Share, in First Quarter 2021;

Highlighted by Net Interest Margin Expansion and Strong Asset Quality;

Declares Quarterly Cash Dividend of $0.06 Per Share

 

Port Angeles, WA, (April 28, 2021) -- First Northwest Bancorp (Nasdaq: FNWB) (“Company”), the holding company for First Federal Savings and Loan Association of Port Angeles (“Bank” or "First Fed"), today reported that net income increased 257.6% to $3.1 million, or $0.34 per diluted share, for the first quarter of 2021, compared to $873,000, or $0.09 per diluted share, for the first quarter a year ago, and decreased compared to net income of $3.8 million, or $0.41 per diluted share, for the fourth quarter of 2020. First quarter results reflected strong year-over-year revenue growth, core deposit growth and net interest margin expansion. The decrease from the prior period was primarily due to lower gains on sale of one-to-four family mortgages and available for sale investments, partially offset by increased net interest income and a lower provision for loan losses. The Company also announced that its Board of Directors declared a regular quarterly cash dividend of $0.06 per common share outstanding, payable on May 28, 2021 to shareholders of record as of the close of business on May 14, 2021.

 

“First Northwest Bancorp’s first quarter operating results were highlighted by strong revenue generation fueled by solid net interest income and core deposit growth,” stated Matthew P. Deines, President and CEO. “Despite ongoing pressures on loan and investment yields, net interest income increased $4.1 million, or 43.3%, over the first quarter of 2020, boosted by growth in earning assets, $362,000 in Paycheck Protection Program (“PPP”) income and a significant decline in cost of funds. We continue to generate organic commercial and consumer activity as we support our communities through an emerging recovery.”

 

“We are actively participating in the SBA’s current round of PPP funding that began in January 2021 and concludes at the end of May,” said Deines. “This round of SBA funding offers PPP loans for companies that did not receive a PPP loan in 2020, and also “second draw” loans targeted at hard-hit businesses that have already used their initial PPP proceeds. We funded $32.4 million in second round PPP loans during the first quarter of 2021.”

 

First Quarter 2021 Highlights (at or for the quarter ended March 31, 2021)

 

• 

First quarter net income was $3.1 million, compared to $3.8 million in the preceding quarter and $873,000 in the year ago quarter.
 

• 

Diluted earnings per share was $0.34, compared to $0.41 per share in the preceding quarter and $0.09 per share in the first quarter a year ago.
 

• 

Provision for loan losses was $500,000 in the first quarter, compared to $930,000 in the fourth quarter of 2020 and $1.3 million in the first quarter of 2020.

 

 
 

 

 

• 

Loans receivable increased 1.3% to $1.16 billion at March 31, 2021, compared to $1.14 billion at December 31, 2020, and increased 28.6% compared to $899.2 million a year ago, primarily due to growth in commercial real estate and commercial business loans, including PPP loans.
 

• 

Deposits increased 7.6% during the quarter and increased 34.9% from one year prior, to $1.43 billion at March 31, 2021, due to successful organic and wholesale deposit-gathering strategies, including significant growth in noninterest-bearing deposits, which increased 76.8% in the last twelve months. Deposit balances benefitted from a second round of PPP and additional Federal stimulus payments during the quarter.
 

• 

The cost of deposits for the first quarter decreased to 0.27% from 0.33% for fourth quarter 2020 and 0.85% in the first quarter of 2020.
 

• 

Gain on sale of mortgage loans was $1.3 million for the first quarter compared to $2.3 million in the previous quarter and $383,000 in the first quarter of 2020, reflecting a modest slowdown in activity from the fourth quarter of 2020 and strong year-over-year quarterly mortgage originations, including refinance activity.
 

• 

During the first quarter, the Company repurchased 135,837 shares of common stock at an average price of $15.89 per share for a total of $2.2 million, leaving 872,030 shares remaining under the 2020 Stock Repurchase Plan approved in October 2020.

 

Recent Developments

 

On March 22, 2021 the Company announced that First Fed has entered into an agreement with Sterling Bank and Trust of Southfield, Michigan to purchase its Bellevue, Washington branch, subject to applicable regulatory approvals and other customary closing conditions. The agreement includes the purchase of approximately $77.7 million in deposits as of the announcement date. First Fed expects to close the transaction by the end of the second quarter of 2021.

 

On April 16, 2021, the Company issued 29,719 shares of the Company’s common stock under the terms of an Amended and Restated Joint Venture Agreement dated April 15, 2021 (the “Joint Venture Agreement”) with the Bank, POM Peace of Mind, Inc. (“POM”), and Quin Ventures, Inc. (“Quin”). The shares were issued to POM and had a value of approximately $500,000. Under the Joint Venture Agreement, the Company and POM have established Quin to develop a digital financial wellness platform that will offer personal financial services to the general public. Under a related Marketing and Banking Services Agreement, Quin will promote the services offered through the digital financial wellness platform and the Bank will provide banking services to the customers who utilize the platform. The Marketing and Banking Services Agreement sets forth the terms governing the parties’ commercial and economic commitments and responsibilities, including the fees to be paid by the Bank to fund the costs of acquiring customers and the distribution of interchange fees. The Company has also committed to extend $15.0 million to Quin under a capital financing agreement and related promissory note.

 

Balance Sheet Review

 

Total assets increased $81.9 million, or 5.0%, to $1.74 billion at March 31, 2021, compared to $1.65 billion at December 31, 2020, and increased $339.4 million, or 24.3%, compared to $1.40 billion at March 31, 2020.

 

 
 

 

Cash and cash equivalents increased by $34.1 million, or 52.4%, to $99.3 million as of March 31, 2021, compared to $65.2 million as of December 31, 2020, as the result of gross proceeds of $40.0 million from the issuance of subordinated debt as well an increase in deposits of $101.3 million offset by increases to investment securities and loans receivable.

 

Investment securities increased $29.2 million to $393.5 million at March 31, 2021, compared to $364.3 million three months earlier, and increased $76.0 million compared to $317.5 million at March 31, 2020. At March 31, 2021, municipal bonds totaled $132.5 million and comprised the largest portion of the investment portfolio at 33.7%. The estimated average life of the total investment securities portfolio was 7.5 years, and the average repricing term was approximately 5.3 years.

 

“We continue to utilize the investment portfolio as a means to generate additional interest income,” said Geri Bullard, EVP/Chief Financial Officer. “We began adding to the investment portfolio a year ago as credit spreads widened, to deploy excess cash and prudently manage the balance sheet.”

 

Securities consisted of the following at the dates indicated:

   

March 31, 2021

    

December 31, 2020

    

March 31, 2020

    

Three Month Change

    

One Year Change

  
   

(In thousands)

  

Available for Sale at Fair Value

                                        

Municipal bonds

   $ 132,492     $ 127,862     $ 52,254     $ 4,630     $ 80,238  

U.S. government and agency issued bonds (Agency bonds)

     1,913       —       —       1,913       1,913  

U.S. government agency issued asset-backed securities (ABS agency)

     65,910       63,820       42,125       2,090       23,785  

Corporate issued asset-backed securities (ABS corporate)

     17,505       29,280       34,073       (11,775

)

     (16,568

)

Corporate issued debt securities (Corporate debt)

     43,890       35,510       9,439       8,380       34,451  

U.S. Small Business Administration securities (SBA)

     17,566       18,564       25,363       (998

)

     (7,797

)

Mortgage-backed securities:

                                        

U.S. government agency issued mortgage-backed securities (MBS agency)

     74,016       62,683       145,139       11,333       (71,123

)

Corporate issued mortgage-backed securities (MBS corporate)

     40,203       26,577       9,127       13,626       31,076  

Total securities available for sale

   $ 393,495     $ 364,296     $ 317,520     $ 29,199     $ 75,975  

 

Net loans, excluding loans held for sale, increased $14.5 million, or 1.3%, to $1.16 billion at March 31, 2021, from $1.14 billion at December 31, 2020, and increased $257.3 million, or 28.6%, from $899.2 million a year ago. “Our lending team did an excellent job growing the loan portfolio despite a competitive operating environment, with total loans increasing 28.6% over the last twelve months,” said Randy Riffle, EVP/Chief Lending Officer. “Additionally, new PPP loan production from the SBA’s latest round contributed meaningfully to loan production, with $32.4 million in new PPP loans funded during the first quarter.” Commercial business loans decreased $17.2 million during the quarter as the result of a decrease of $41.6 million in the Northpointe Mortgage Participation program offset by an increase of $24.7 in PPP loans.

 

The Company originated $66.3 million in residential mortgages during the quarter and sold $37.0 million, with an average gross margin on sale of mortgage loans of approximately 2.85%. This production compares to residential mortgage originations of $95.7 million in the preceding quarter with sales of $59.3 million, with an average gross margin of 3.01%. “Mortgage banking activity exceeded the first quarter of 2020, bucking seasonal trends, especially for refinances of existing mortgages as interest rates remain historically low,” said Kelly Liske, Chief Banking Officer.

 

 
 

 

Loans receivable consisted of the following at the dates indicated:

 

   

March 31, 2021

    

December 31, 2020

    

March 31, 2020

    

Three Month Change

    

One Year Change

  
   

(In thousands)

  

Real Estate:

                                        

One to four family

   $ 295,831     $ 309,828     $ 302,688     $ (13,997

)

   $ (6,857

)

Multi-family

     162,487       162,467       88,794       20       73,693  

Commercial real estate

     296,826       296,574       260,321       252       36,505  

Construction and land

     157,316       123,627       48,565       33,689       108,751  

Total real estate loans

     912,460       892,496       700,368       19,964       212,092  
                                         

Consumer:

                                        

Home equity

     33,713       33,103       35,260       610       (1,547

)

Auto and other consumer

     139,134       128,233       114,194       10,901       24,940  

Total consumer loans

     172,847       161,336       149,454       11,511       23,393  
                                         

Commercial business

     83,033       100,201       55,853       (17,168

)

     27,180  
                                         

Total loans

     1,168,340       1,154,033       905,675       14,307       262,665  

Less:

                                        

Net deferred loan fees

     4,983       4,346       433       637       4,550  

Premium on purchased loans, net

     (7,347

)

     (6,129

)

     (4,742

)

     (1,218

)

     (2,605

)

Allowance for loan losses

     14,265       13,847       10,830       418       3,435  

Total loans receivable, net

   $ 1,156,439     $ 1,141,969     $ 899,154     $ 14,470     $ 257,285  

 

The sectors most heavily impacted by the pandemic include hospitality; restaurant and food services; and lessors of commercial real estate to these businesses. The table below presents selected information on loans to these industries as of March 31, 2021.

 

Industry

  

% of Total Loan Portfolio

    

Loan Balance

    

Number of Loans

    

Average Loan-to-Value

  
           

(In thousands)

                  

Hospitality

     4.4 %   $ 50,332       14       60.6 %

Restaurant and food services

     0.2       1,907       6       64.8  

Lessors of commercial real estate to hospitality, restaurant, and retail establishments

     4.3       48,103       27       52.3  

 

The table below presents selected information on loans that remained on COVID-19 deferrals at the periods indicated.

   

% of Total Loan Portfolio

    

Deferred Loan Balance

    

Number of Loans

  
           

(In thousands)

          

June 30, 2020

     12.9 %   $ 128,420       297  

September 30, 2020

     13.9       149,542       183  

December 31, 2020

     0.2       2,349       19  

March 31, 2021

     0.7       8,052       4  

 

Total deposits increased $101.3 million, or 7.6%, to $1.43 billion at March 31, 2021, compared to $1.33 billion at December 31, 2020, and increased $370.9 million, or 34.9%, when compared to $1.06 billion a year ago. Savings accounts increased 12.3% compared to a year ago to $186.2 million at March 31, 2021, and represented 13.0% of total deposits; transaction accounts increased 62.8% compared to a year ago to $466.1 million at March 31, 2021, and represented 32.5% of total deposits; money market accounts increased 95.6% compared to a year ago to $495.3 million, and represented 34.5% of total deposits; and certificates of deposit decreased 19.9% compared to a year ago to $287.2 million at quarter-end, and represented 20.0% of total deposits.

 

 
 

 

“Deposit balances remain at record levels as we experienced growth with existing customers and developed new deposit relationships,” said Bullard. “We strategically increased noninterest-bearing and other core deposits to manage overall funding costs. We lowered our total cost of funds over the quarter by shifting our deposit mix more toward non-maturity deposits.” Total cost of funds improved to 0.32% for the first quarter of 2021 compared to 0.38% for the fourth quarter of 2020.

 

Deposits consisted of the following at the dates indicated:

   

March 31, 2021

    

December 31, 2020

    

March 31, 2020

    

Three Month Change

    

One Year Change

  
   

(In thousands)

  

Savings

   $ 186,173     $ 164,434     $ 165,747     $ 21,739     $ 20,426  

Transaction accounts

     466,143       431,171       286,283       34,972       179,860  

Money market accounts

     495,265       429,143       253,198       66,122       242,067  

Certificates of deposit

     287,226       308,769       358,677       (21,543 )     (71,451 )

Total deposits

   $ 1,434,807     $ 1,333,517     $ 1,063,905     $ 101,290     $ 370,902  

 

On March 25, 2021, the Company completed its private placement of $40.0 million of 3.75% fixed-to-floating rate subordinated notes due 2031 (the “Notes”) to certain qualified institutional buyers and accredited investors. The Notes have been structured to qualify as Tier 2 capital for the Company for regulatory capital purposes. The Company intends to use the net proceeds of the offering for general corporate purposes and provided $20.0 million to the Bank as Tier 1 capital. “We believe this capital will serve us well as we continue to grow the Company and enhance our footprint and product offerings,” said Deines.

 

Total shareholders' equity was $182.1 million at March 31, 2021, compared to $186.4 million three months earlier, and $167.2 million a year earlier. The decrease in equity was driven by reduced other comprehensive income of $5.2 million due to a decrease in the unrealized gain on investments of $3.5 million and a $1.7 million adjustment reflecting the recognition of prior service cost related to First Fed’s transfer out of a multiemployer pension plan into a single employer plan. The decrease in equity compared to the prior quarter was also a result of stock buybacks during the first quarter of 2021. Book value per common share was $17.86 at March 31, 2021, compared to $18.20 at December 31, 2020 and $16.02 at March 31, 2020.

 

Operating Results

 

In the first quarter of 2021, the Company generated a return on average assets ("ROAA") of 0.76%, and a return on average equity ("ROAE") of 6.70%, compared to 0.97% and 8.32%, respectively, in the fourth quarter of 2020, and 0.27% and 1.94%, respectively, in the first quarter a year ago.

 

Total interest income increased to $14.6 million for the first quarter of 2021, compared to $14.0 million in the previous quarter and $12.0 million in the first quarter of 2020. Interest and fees on loans increased due to loan growth compared to the prior quarter. Quarter over quarter, the yield on average loans receivable increased by 2 basis points. Total interest expense was $1.2 million for the first quarter of 2021, compared to $1.3 million in the fourth quarter of 2020, and $2.6 million in the first quarter a year ago. The decrease in interest expense was due to the decline in the cost of total deposits to 27 basis points from 34 basis points in the prior quarter and 85 basis points the first quarter one year ago.

 

 
 

 

Net interest income, before provision for loan losses, increased 6.4% during the quarter to $13.5 million, compared to $12.7 million for the preceding quarter, and increased 43.3% compared to $9.4 million in the first quarter a year ago. “The first round of PPP expired on August 8, 2020, and as of March 31, 2021, we received from the SBA proceeds on forgiven loans totaling $16.6 million. Approximately $177,000 of the income recognized during the first quarter was related to deferred fees associated with PPP loan payoffs, compared to $182,000 of the income related to deferred fees associated with PPP loan payoffs in the prior quarter,” added Riffle.

 

While asset quality improved during the last twelve months, additional loan growth and the anticipated impact of the COVID-19 pandemic on local businesses resulted in a $500,000 provision for loan losses during the first quarter of 2021. This compares to a provision for loan losses of $930,000 for the preceding quarter, and a provision for loan losses of $1.3 million for the first quarter of 2020.

 

The net interest margin expanded 2 basis point to 3.48% for the first quarter of 2021, compared to 3.46% for the fourth quarter of 2020, and increased 37 basis points compared to 3.11% for the first quarter in 2020. “Despite a challenging interest rate environment, our earning asset mix enhancements as well as substantially reducing our cost of funds helped increase our net interest margin over the past twelve months,” said Bullard.

 

The yield on earning assets decreased 3 basis points to 3.78% for the first quarter of 2021, compared to 3.81% for the fourth quarter of 2020, and decreased 19 basis points from 3.97% for the first quarter of 2020. The decrease was due to lower yields on the investment portfolio and loans, which was offset by higher average loan balances. The yield on the loan portfolio increased to 4.43% for the first quarter of 2021, from 4.41% for the fourth quarter of 2020, and decreased from 4.52% for the first quarter of 2020 due to a decline in the overall rate environment. The cost of interest-bearing liabilities decreased 7 basis points to 0.40% for the first quarter of 2021, compared to 0.47% for the fourth quarter of 2020, and decreased 71 basis points from 1.11% for the first quarter in 2020.

 

Noninterest income decreased 41.7% to $2.7 million for the first quarter of 2021 from $4.6 million for the fourth quarter of 2020 and increased 16.7% compared to $2.3 million for the first quarter a year ago. The first quarter of 2021 included a $1.3 million gain on sale of loans compared to a $2.3 million gain on sale of loans in the preceding quarter and a $383,000 gain on sale of loans in the first quarter a year ago. Noninterest income growth during the fourth quarter of 2020 also included a $912,000 gain on sale of investment securities. Loan and deposit service fees, the second largest component of noninterest income, totaled $837,000 for the first quarter 2021, compared to $940,000 for the preceding quarter and $881,000 for the first quarter a year ago.

 

Noninterest expense totaled $12.1 million for the first quarter of 2021, compared to $11.7 million for the preceding quarter and $9.4 million for the first quarter a year ago. The quarterly increase reflects higher compensation expense, including salaries, commissions and benefits. Also impacting operating expenses for the first quarter was the implementation of new technology enhancements for loan and deposit account applications through the use of digital and mobile banking products.

 

Capital Ratios and Credit Quality

 

Capital levels for both the Company and its operating bank, First Fed, remain in excess of applicable regulatory requirements and the Bank was categorized as "well-capitalized" at March 31, 2021. Common Equity Tier 1 and Total Risk-Based Capital Ratios at March 31, 2021, were 15.1 % and 16.3%, respectively. The Company distributed $20.0 million to the Bank as Tier 1 capital.

 

 
 

 

Nonperforming loans decreased to $2.1 million at March 31, 2021, from $2.3 million at December 31, 2020. The percentage of the allowance for loan losses to nonperforming loans increased to 668.1%, at March 31, 2021, from 609.2% at December 31, 2020, and 622.4% at March 31, 2020. Classified loans increased $6.6 million during the current quarter to $14.1 million at March 31, 2021, due to one substandard commercial real estate loan. The allowance for loan losses as a percentage of total loans was 1.2% at March 31, 2021, which was unchanged compared to three months and one year earlier.

 

About the Company

 

First Northwest is a bank holding company that primarily engages in the business activity of its subsidiary, First Fed. First Fed is a community-oriented financial institution serving Clallam, Jefferson, Kitsap, Whatcom, and King counties in Washington, through its Seattle lending center and ten full-service branches. Our business and operating strategy is focused on building sustainable earnings through hiring experienced bankers, geographic expansion, diversifying our loan product mix, expanding our deposit product offerings that deliver value-added solutions, enhancing existing services and digital service delivery channels, and enhancing our infrastructure to support the changing needs and expectations of our customers.

 

 
 

FIRST NORTHWEST BANCORP AND SUBSIDIARY

CONSOLIDATED BALANCE SHEETS

(Dollars in thousands, except share data) (Unaudited)

   

March 31, 2021

    

December 31, 2020

    

March 31, 2020

    

Three Month Change

    

One Year Change

  

Assets

                                        
                                         

Cash and due from banks

  

$

15,827

    

$

13,508

    

$

15,531

      

17.2

%

    

1.9

%

Interest-bearing deposits in banks

    

83,444

      

51,647

      

91,633

      

61.6

      

-8.9

  

Investment securities available for sale, at fair value

    

393,495

      

364,296

      

317,520

      

8.0

      

23.9

  

Loans held for sale

    

4,037

      

3,753

      

4,531

      

7.6

      

-10.9

  

Loans receivable (net of allowance for loan losses of $14,265, $13,847, and $10,830)

    

1,156,439

      

1,141,969

      

899,154

      

1.3

      

28.6

  

Federal Home Loan Bank (FHLB) stock, at cost

    

3,997

      

5,977

      

7,581

      

-33.1

      

-47.3

  

Accrued interest receivable

    

6,251

      

6,966

      

4,124

      

-10.3

      

51.6

  

Premises and equipment, net

    

14,795

      

14,785

      

14,231

      

0.1

      

4.0

  

Mortgage servicing rights, net

    

2,309

      

2,120

      

843

      

8.9

      

173.9

  

Bank-owned life insurance, net

    

38,596

      

38,353

      

30,355

      

0.6

      

27.1

  

Prepaid expenses and other assets

    

17,103

      

10,975

      

11,436

      

55.8

      

49.6

  
                                         

Total assets

  

$

1,736,293

    

$

1,654,349

    

$

1,396,939

      

5.0

%

    

24.3

%
                                         

Liabilities and Shareholders' Equity

                                        
                                         

Deposits

  

$

1,434,807

    

$

1,333,517

    

$

1,063,905

      

7.6

%

    

34.9

%

FHLB advances

    

50,000

      

109,977

      

150,021

      

-54.5

      

-66.7

  

Subordinated debt

    

39,310

      

—

      

—

      

100.0

      

100.0

  

Accrued interest payable

    

84

      

53

      

194

      

58.5

      

-56.7

  

Accrued expenses and other liabilities

    

27,994

      

23,303

      

15,225

      

20.1

      

83.9

  

Advances from borrowers for taxes and insurance

    

2,000

      

1,116

      

443

      

79.2

      

351.5

  
                                         

Total liabilities

    

1,554,195

      

1,467,966

      

1,229,788

      

5.9

      

26.4

  
                                         

Shareholders' Equity

                                        

Preferred stock, $0.01 par value, authorized 5,000,000 shares, no shares issued or outstanding

    

—

      

—

      

—

      

n/a

      

n/a

  

Common stock, $0.01 par value, authorized 75,000,000 shares; issued and outstanding 10,195,644 at March 31, 2021; issued and outstanding 10,247,185 at December 31, 2020; and issued and outstanding 10,432,963 at March 31, 2020

    

102

      

102

      

104

      

0.0

      

-1.9

  

Additional paid-in capital

    

96,499

      

97,412

      

99,479

      

-0.9

      

-3.0

  

Retained earnings

    

94,363

      

92,657

      

85,549

      

1.8

      

10.3

  

Accumulated other comprehensive income (loss), net of tax

    

199

      

5,442

      

(8,256

)

    

-96.3

      

102.4

  

Unearned employee stock ownership plan (ESOP) shares

    

(9,065

)

    

(9,230

)

    

(9,725

)

    

1.8

      

6.8

  
                                         

Total shareholders' equity

    

182,098

      

186,383

      

167,151

      

-2.3

      

8.9

  
                                         

Total liabilities and shareholders' equity

  

$

1,736,293

    

$

1,654,349

    

$

1,396,939

      

5.0

%

    

24.3

%

 

 

 

 

 
 

FIRST NORTHWEST BANCORP AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF INCOME

(Dollars in thousands, except per share data) (Unaudited)

 

   

Quarter Ended

                  
   

March 31, 2021

    

December 31, 2020

    

March 31, 2020

    

Three Month Change

    

One Year Change

  

INTEREST INCOME

                                        

Interest and fees on loans receivable

  

$

12,541

    

$

11,894

    

$

9,836

      

5.4

%

    

27.5

%

Interest on mortgage-backed and related securities

    

464

      

437

      

959

      

6.2

      

-51.6

  

Interest on investment securities

    

1,570

      

1,581

      

1,069

      

-0.7

      

46.9

  

Interest on deposits in banks

    

13

      

9

      

68

      

44.4

      

-80.9

  

FHLB dividends

    

45

      

56

      

47

      

-19.6

      

-4.3

  

Total interest income

    

14,633

      

13,977

      

11,979

      

4.7

      

22.2

  
                                         

INTEREST EXPENSE

                                        

Deposits

    

934

      

1,079

      

2,138

      

-13.4

      

-56.3

  

FHLB advances

    

191

      

221

      

434

      

-13.6

      

-56.0

  

Subordinated debt

    

25

      

—

      

—

      

100.0

      

100.0

  

Total interest expense

    

1,150

      

1,300

      

2,572

      

-11.5

      

-55.3

  
                                         

Net interest income

    

13,483

      

12,677

      

9,407

      

6.4

      

43.3

  
                                         

PROVISION FOR LOAN LOSSES

    

500

      

930

      

1,266

      

-46.2

      

-60.5

  
                                         

Net interest income after provision for loan losses

    

12,983

      

11,747

      

8,141

      

10.5

      

59.5

  
                                         

NONINTEREST INCOME

                                        

Loan and deposit service fees

    

837

      

940

      

881

      

-11.0

      

-5.0

  

Mortgage servicing fees, net of amortization

    

30

      

146

      

15

      

-79.5

      

100.0

  

Net gain on sale of loans

    

1,337

      

2,324

      

383

      

-42.5

      

249.1

  

Net gain on sale of investment securities

    

—

      

912

      

605

      

-100.0

      

-100.0

  

Increase in cash surrender value of bank-owned life insurance

    

244

      

249

      

328

      

-2.0

      

-25.6

  

Other income

    

256

      

67

      

106

      

282.1

      

141.5

  

Total noninterest income

    

2,704

      

4,638

      

2,318

      

-41.7

      

16.7

  
                                         

NONINTEREST EXPENSE

                                        

Compensation and benefits

    

7,295

      

7,193

      

5,361

      

1.4

      

36.1

  

Data processing

    

739

      

691

      

690

      

6.9

      

7.1

  

Occupancy and equipment

    

1,623

      

1,663

      

1,351

      

-2.4

      

20.1

  

Supplies, postage, and telephone

    

242

      

236

      

211

      

2.5

      

14.7

  

Regulatory assessments and state taxes

    

261

      

271

      

174

      

-3.7

      

50.0

  

Advertising

    

445

      

572

      

272

      

-22.2

      

63.6

  

Professional fees

    

522

      

408

      

400

      

27.9

      

30.5

  

FDIC insurance premium

    

148

      

89

      

—

      

66.3

      

100.0

  

FHLB prepayment penalty

    

—

      

—

      

210

      

n/a

      

-100.0

  

Other

    

819

      

596

      

713

      

37.4

      

14.9

  

Total noninterest expense

    

12,094

      

11,719

      

9,382

      

3.2

      

28.9

  
                                         

INCOME BEFORE PROVISION FOR INCOME TAXES

    

3,593

      

4,666

      

1,077

      

-23.0

      

233.6

  
                                         

PROVISION FOR INCOME TAXES

    

473

      

850

      

204

      

-44.4

      

131.9

  
                                         

NET INCOME

  

$

3,120

    

$

3,816

    

$

873

      

-18.2

%

    

257.4

%
                                         

Basic and diluted earnings per common share

  

$

0.34

    

$

0.41

    

$

0.09

      

-17.1

%

    

277.8

%

 

 
 

FIRST NORTHWEST BANCORP AND SUBSIDIARY

Selected Financial Ratios and Other Data

(Unaudited)

 

 

   

As of or For the Quarter Ended

  
   

March 31, 2021

    

December 31, 2020

    

September 30, 2020

    

June 30, 2020

    

March 31, 2020

  

Performance ratios: (1)

                                        

Return on average assets

    

0.76

%

    

0.97

%

    

0.99

%

    

0.56

%

    

0.27

%

Return on average equity

    

6.70

      

8.32

      

8.22

      

4.60

      

1.94

  

Average interest rate spread

    

3.38

      

3.35

      

3.22

      

2.90

      

2.86

  

Net interest margin (2)

    

3.48

      

3.46

      

3.36

      

3.10

      

3.11

  

Efficiency ratio (3)

    

74.7

      

67.7

      

60.9

      

72.3

      

80.0

  

Average interest-earning assets to average interest-bearing liabilities

    

134.6

      

131.7

      

130.9

      

129.5

      

130.1

  

Book value per common share

  

$

17.86

    

$

18.20

    

$

17.65

    

$

17.07

    

$

16.02

  
                                         

Asset quality ratios:

                                        

Nonperforming assets to total assets at end of period (4)

    

0.1

%

    

0.1

%

    

0.2

%

    

0.2

%

    

0.2

%

Nonperforming loans to total loans (5)

    

0.2

      

0.2

      

0.3

      

0.3

      

0.2

  

Allowance for loan losses to nonperforming loans (5)

    

668.1

      

609.2

      

419.9

      

360.8

      

622.4

  

Allowance for loan losses to total loans

    

1.2

      

1.2

      

1.2

      

1.2

      

1.2

  

Net charge-offs to average outstanding loans

    

—

      

—

      

—

      

—

      

—

  
                                         

Capital ratios (First Fed):

                                        

Tier 1 leverage

  

11.2

% 

    

10.3

%

    

10.5

%

    

10.9

%

    

11.8

%

Common equity Tier 1 capital

  

15.1

      

13.4

      

14.7

      

15.1

      

16.8

  

Tier 1 risk-based

  

15.1

      

13.4

      

14.7

      

15.1

      

16.8

  

Total risk-based

  

16.3

      

14.6

      

16.0

      

16.4

      

18.1

  
                                         

Other Information:

                                        

Average total assets

  

$

1,645,806

    

$

1,567,521

    

$

1,488,723

    

$

1,401,500

    

$

1,287,529

  

Average total loans

    

1,144,230

      

1,089,505

      

1,009,210

      

938,646

      

876,135

  

Average interest-earning assets

    

1,549,316

      

1,466,103

      

1,401,090

      

1,305,437

      

1,208,314

  

Average noninterest-bearing deposits

    

283,204

      

245,024

      

218,615

      

196,698

      

159,214

  

Average interest-bearing deposits

    

1,092,114

      

1,032,608

      

1,009,041

      

936,968

      

849,196

  

Average interest-bearing liabilities

    

58,629

      

80,731

      

61,244

      

71,170

      

79,659

  

Average equity

    

186,171

      

183,424

      

178,887

      

172,009

      

179,614

  

Average shares - basic

    

9,094,354

      

9,214,965

      

9,257,252

      

9,373,253

      

9,624,727

  

Average shares - diluted

    

9,185,725

      

9,258,109

      

9,263,975

      

9,408,123

      

9,676,377

  

 

 

(1)

Performance ratios are annualized, where appropriate.

(2)

Net interest income divided by average interest-earning assets.

(3)

Total noninterest expense as a percentage of net interest income and total other noninterest income.

(4)

Nonperforming assets consists of nonperforming loans (which include nonaccruing loans and accruing loans more than 90 days past due), real estate owned and repossessed assets.

(5)

Nonperforming loans consists of nonaccruing loans and accruing loans more than 90 days past due.

 

 

 
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Document And Entity Information
Apr. 28, 2021
Document Information [Line Items]  
Entity, Registrant Name FIRST NORTHWEST BANCORP
Document, Type 8-K
Document, Period End Date Apr. 28, 2021
Entity, Incorporation, State or Country Code WA
Entity, File Number 001-36741
Entity, Tax Identification Number 46-1259100
Entity, Address, Address Line One 105 West 8th Street
Entity, Address, City or Town Port Angeles
Entity, Address, State or Province WA
Entity, Address, Postal Zip Code 98362
City Area Code 360
Local Phone Number 457-0461
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol FNWB
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0001556727
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