0001564590-22-016071.txt : 20220427 0001564590-22-016071.hdr.sgml : 20220427 20220427161536 ACCESSION NUMBER: 0001564590-22-016071 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20220427 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220427 DATE AS OF CHANGE: 20220427 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST US BANCSHARES, INC. CENTRAL INDEX KEY: 0000717806 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 630843362 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-14549 FILM NUMBER: 22859754 BUSINESS ADDRESS: STREET 1: 3291 U.S. HIGHWAY 280 CITY: BIRMINGHAM STATE: AL ZIP: 35243 BUSINESS PHONE: 2055821084 MAIL ADDRESS: STREET 1: 3291 U.S. HIGHWAY 280 CITY: BIRMINGHAM STATE: AL ZIP: 35243 FORMER COMPANY: FORMER CONFORMED NAME: FIRST US BANCSHARES INC DATE OF NAME CHANGE: 20161011 FORMER COMPANY: FORMER CONFORMED NAME: UNITED SECURITY BANCSHARES INC DATE OF NAME CHANGE: 19920703 8-K 1 fusb-8k_20220427.htm 8-K fusb-8k_20220427.htm
false 0000717806 0000717806 2022-04-27 2022-04-27

 

 

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 27, 2022

 

 

First US Bancshares, Inc.

 

(Exact Name of Registrant as Specified in Charter)

 

Delaware

0-14549

63-0843362

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

 

3291 U.S. Highway 280  

Birmingham, Alabama 35243

(Address of Principal Executive Offices, including Zip Code)

Registrant’s telephone number, including area code: (205) 582-1200

N/A

(Former Name or Former Address, if Changed Since Last Report)

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, $0.01 par value

FUSB

The Nasdaq Stock Market LLC

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))

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 (§230.405 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 27, 2022, First US Bancshares, Inc. issued a press release announcing financial results for the first quarter ended March 31, 2022. The press release is attached as Exhibit 99.1 to this Form 8-K and is furnished to, but not filed with, the Commission.

 

Item 9.01

Financial Statements and Exhibits.

 

(d)

Exhibits.

 

 

Exhibit Number

Exhibit

99.1

Press Release dated April 27, 2022

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.

 

Dated: April 27, 2022

FIRST US BANCSHARES, INC.

 

 

 

 

By:

/s/ Thomas S. Elley

 

Name:

Thomas S. Elley

 

 

Vice President, Treasurer and Assistant Secretary,

 

 

Chief Financial Officer and Principal Accounting Officer

 

 

 

 EX-99.1 2 fusb-ex991_6.htm EX-99.1 fusb-ex991_6.htm

Exhibit 99.1

 


 

Contact:

Thomas S. Elley

 

205-582-1200

 

FIRST US BANCSHARES, INC.

REPORTS FIRST QUARTER 2022 RESULTS

────────

Expense Reductions Lead to Earnings Growth of 43.3% Compared to First Quarter of 2021

 

BIRMINGHAM, AL (April 27, 2022) – First US Bancshares, Inc. (Nasdaq: FUSB) (the “Company”), the parent company of First US Bank (the “Bank”), today reported net income of $1.4 million, or $0.20 per diluted share, for the quarter ended March 31, 2022 (“1Q2022”), compared to $1.0 million, or $0.14 per diluted share, for the quarter ended March 31, 2021 (“1Q2021”) and $1.7 million, or $0.25 per diluted share, for the quarter ended December 31, 2021 (“4Q2021”).

 

Growth in the Company’s earnings, comparing 1Q2022 to 1Q2021, resulted from reductions in both non-interest expense and, to a lesser extent, interest expense.  Non-interest expense reductions were driven by strategic initiatives launched in September 2021 that were previously announced by the Company.  The initiatives, which are aimed at improving operating efficiency, focusing the Company’s loan growth activities, and fortifying asset quality, included the cessation of new business development at the Bank’s wholly owned subsidiary, Acceptance Loan Company, Inc. (“ALC”).  Non-interest expense was reduced by $1.3 million in 1Q2022, compared to 1Q2021, and included substantial decreases in salaries and benefits, occupancy and equipment and other costs. Interest expense was reduced by $0.1 million as the Company’s total average funding costs decreased to 0.32% in 1Q2022, compared to 0.39% in 1Q2021.  The favorable earnings impact of expense reductions was partially offset by reductions in interest and fees on loans, and non-interest income and an increase in the provision for loan and lease losses.

 

Comparing 1Q2022 to 4Q2021, the reduction in net income resulted primarily from decreased interest and fees on loans and increased provisioning for loan and lease losses, partially offset by reductions in both interest and non-interest expense.  The increased loan loss provisioning in 1Q2022 was associated with the remaining ALC loan portfolio and reflected both an increase in charge-offs associated with the portfolio, as well as qualitative adjustments implemented by management in response to heightened inflationary trends and other economic uncertainties that emerged during 1Q2022. The ALC strategy and other efficiency initiatives adopted by the Company in 2021 contributed to significant reductions in non-interest expense in both 1Q2022 and 4Q2021.  These reductions are expected to contribute favorably to the Company’s earnings in future periods; however, revenues associated with loans at ALC will also decrease as the portfolio continues to pay down.  ALC’s remaining loan portfolio totaled $35.8 million as of March 31, 2022, compared to $43.7 million as of December 31, 2021, a reduction of 18.1%.  Consistent with the reduction in loans, interest and fees on ALC’s loan portfolio were reduced to $1.6 million in 1Q2022, compared to $2.0 million, in 4Q2021, a decrease of 19.5%.  Management continues to expect that the majority of ALC’s loans will be paid off by the end of 2023.  Accordingly, the Company’s focus remains on growth in the Bank’s other earning asset categories, as well as efforts to continue to reduce operating expenses and improve the Company’s efficiency over time.

 

“We are pleased to begin 2022 with significantly improved earnings compared to the same quarter in 2021,” stated James F. House, the Company’s President and CEO. “We continue to reap the cost-saving benefits of the strategic initiatives that we implemented in 2021.  Given the inflationary environment and trends in geopolitical events that have developed during the first quarter, economic uncertainty has increased. However, we believe that the initiatives we implemented in 2021 to reduce expense and simplify our business model will serve us well during these uncertain times,” continued Mr. House.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other First Quarter Financial Highlights

 

Loan Growth – The table below summarizes loan balances by portfolio category at the end of each of the most recent five quarters as of March 31, 2022.

 

 

Quarter Ended

 

 

 

2022

 

 

2021

 

 

 

March

31,

 

 

December

31,

 

 

September

30,

 

 

June

30,

 

 

March

31,

 

 

 

(Dollars in Thousands)

 

 

 

(Unaudited)

 

 

 

 

 

 

(Unaudited)

 

 

(Unaudited)

 

 

(Unaudited)

 

Real estate loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction, land development and other land loans

 

$

52,817

 

 

$

67,048

 

 

$

58,175

 

 

$

53,425

 

 

$

48,491

 

Secured by 1-4 family residential properties

 

 

69,760

 

 

 

72,727

 

 

 

73,112

 

 

 

78,815

 

 

 

82,349

 

Secured by multi-family residential properties

 

 

50,796

 

 

 

46,000

 

 

 

51,420

 

 

 

53,811

 

 

 

54,180

 

Secured by non-farm, non-residential properties

 

 

177,752

 

 

 

197,901

 

 

 

198,745

 

 

 

191,398

 

 

 

193,626

 

Commercial and industrial loans

 

 

67,455

 

 

 

72,286

 

 

 

73,777

 

 

 

65,772

 

 

 

65,043

 

Paycheck Protection Program ("PPP") loans

 

 

643

 

 

 

1,661

 

 

 

3,902

 

 

 

11,587

 

 

 

14,795

 

Consumer loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Direct consumer

 

 

18,023

 

 

 

21,689

 

 

 

25,845

 

 

 

26,937

 

 

 

26,998

 

Branch retail

 

 

21,891

 

 

 

25,692

 

 

 

29,764

 

 

 

31,688

 

 

 

31,075

 

Indirect sales

 

 

220,931

 

 

 

205,940

 

 

 

194,154

 

 

 

176,116

 

 

 

153,940

 

Total loans

 

$

680,068

 

 

$

710,944

 

 

$

708,894

 

 

$

689,549

 

 

$

670,497

 

Less unearned interest, fees and deferred costs

 

 

1,738

 

 

 

2,594

 

 

 

3,729

 

 

 

4,067

 

 

 

3,792

 

Allowance for loan and lease losses

 

 

8,484

 

 

 

8,320

 

 

 

8,193

 

 

 

7,726

 

 

 

7,475

 

Net loans

 

$

669,846

 

 

$

700,030

 

 

$

696,972

 

 

$

677,756

 

 

$

659,230

 

 

The Company’s total loan portfolio decreased by $30.9 million, or 4.3%, as of March 31, 2022, compared to December 31, 2021.  Loan volume decreases were most pronounced in the Bank’s commercial real estate (secured by non-farm, non-residential properties) and construction categories.  The decreases in these loan categories was generally consistent with historic first quarter seasonality, and a portion of the reduction was attributable to the payoff of loans in accordance with contractual terms as financed construction projects were completed. In addition, the ALC business cessation strategy resulted in decreases primarily in the direct consumer and branch retail loan categories.  Loan volume reductions were partially offset by growth in the Bank’s indirect and multi-family portfolios.  The indirect portfolio has experienced significant growth in recent quarters and is focused on consumer lending secured by collateral that includes recreational vehicles, campers, boats, horse trailers and cargo trailers. The Bank now operates indirect lending in a 12-state footprint primarily in the southeastern United States.

 

Net Interest Income and Margin – Net interest income totaled $8.7 million in 1Q2022, compared to $9.3 million in 4Q2021 and $9.1 million in 1Q2021.  Compared to both prior periods, the most significant driver of the decrease in net interest income was the reduction of interest and fees on ALC loans in connection with the ALC business cessation strategy. Interest and fees on ALC loans decreased in 1Q2022 by $0.4 million compared to 4Q2021 and by $0.8 million compared to 1Q2021.  The reduction compared to 1Q2021 was partially offset by increased interest income in the Bank’s other loan portfolios, as well as increases in investment security interest income and reductions in interest expense on deposits.  As ALC’s loan portfolio continues to pay down, there will be continued reduction in interest and fees attributable to ALC’s loans. These reductions are expected to continue to put downward pressure on total loan yield and net interest margin.  As a result of the changing mix of loans, the Company’s net interest margin was reduced to 3.97% in 1Q2022, compared to 4.10% in 4Q2021 and 4.40% in 1Q2021. Historically, ALC’s loan portfolio has represented both the Company’s highest yielding loans, as well as the portfolio with highest level of credit losses. Accordingly, while interest earned on these loans is expected to decrease over time, loan loss provision expense is also expected to decrease as the portfolio pays down.  

 

Deposit Growth and Deployment of Funds – Deposits totaled $853.1 million as of March 31, 2022, compared to $838.1 million as of December 31, 2021, an increase of $15.0 million, or 1.8%.  In the current environment, management has continued to focus on minimizing deposit expense and deploying excess cash balances into earning assets that meet the Company’s established credit standards, while maintaining appropriate levels of liquidity in accordance with projected funding needs. Total average funding costs, including both interest- and noninterest-bearing liabilities and borrowings, was reduced to 0.32% in 1Q2022, compared to 0.33% in 4Q2021 and 0.39% in 1Q2021.  Given the increasing interest rate environment in 1Q2022, management continued to deploy a portion of excess funds into the investment securities portfolio.  Investment securities, including both the available-for-sale and held-to-maturity portfolios totaled $137.7 million as of March 31, 2022, compared to $134.3 million as of December 31, 2021, and $75.8 million as of March 31, 2021.  The expected average life of securities in the investment portfolio as of March 31, 2022 was 3.52 years.  Management maintains the portfolio with average durations that are expected to provide monthly cash flows that can be utilized to reinvest in earning assets at current market rates.  

 

 

2

 

 

 

 

Loan Loss Provision – Loan loss provisions totaled $0.7 million in 1Q2022, compared to $0.5 million in 4Q2021, and $0.4 million in 1Q2021.  The increase in provision expense in 1Q2022 compared to the prior quarters reflected both an increase in charge-offs associated with ALC’s loan portfolio, as well as qualitative adjustments applied to ALC’s portfolio in response to heightened inflationary trends and other economic uncertainties that emerged during the quarter. In management’s view, the combination of the business cessation strategy, coupled with deteriorating economic conditions, including elevated inflation levels, increased overall credit risk in ALC’s loan portfolio as of March 31, 2022, compared to December 31, 2021.  Loan loss provisions recorded by the Company during 1Q2022 included expense of $0.8 million associated with ALC’s loans, partially offset by a $0.1 million net reduction in provision expense in other loan categories due to reduction in loan volume.  Management will continue to closely monitor the impact of changing economic circumstances on the Company’s loan portfolio and will adjust the allowance accordingly. Due to its classification as a smaller reporting company by the Securities and Exchange Commission, the Company is not required to adopt the Current Expected Credit Loss (CECL) model to account for credit losses until January 1, 2023. Management continues to evaluate the impact that the adoption of CECL will have on the Company’s financial statements.

 

Non-interest Income – Non-interest income totaled $0.8 million in 1Q2022, compared to $0.9 million in 4Q2021, and $1.0 million in 1Q2021.  The reduction compared to both periods in 2021 resulted primarily from decreases in miscellaneous revenue sources, including credit insurance income associated with ALC loans that have been reduced.

 

Non-interest Expense – Non-interest expense totaled $7.1 million in 1Q2022, compared to $7.4 million in 4Q2021 and $8.4 million in 1Q2021.  The decrease in 1Q2022 resulted primarily from implementation of the ALC strategy, as well as other efficiency efforts conducted at the Bank.  As a result of these efforts, significant expense reductions were realized associated with salaries and employee benefits, occupancy and equipment, as well as other expenses associated with technology and professional services.  As of March 31, 2022, the Company had 161 full-time equivalent employees, compared to 175 as of December 31, 2021, and 265 as of March 31, 2021. Non-interest expense in 1Q2022 was reduced by $0.2 million in nonrecurring net gains on the sale of other real estate owned (OREO).

 

Balance Sheet Growth – As of March 31, 2022, the Company’s assets totaled $968.6 million, compared to $958.3 million as of December 31, 2021, an increase of 1.1%.  

 

Asset Quality – The Company’s nonperforming assets, including loans in non-accrual status and OREO, totaled $3.1 million as of March 31, 2022, compared to $4.2 million as of December 31, 2021. The reduction in nonperforming assets during 1Q2022 resulted from the sale of OREO properties during the quarter.  Reductions in OREO totaled $1.3 million and included the sale of banking centers that were closed in 2021.  As a percentage of total assets, non-performing assets totaled 0.32% as of March 31, 2022, compared to 0.43% as of December 31, 2021.

 

Shareholders’ Equity – As of March 31, 2022, shareholders’ equity totaled $87.8 million, compared to $90.1 million as of December 31, 2021.  The decrease in shareholders’ equity resulted primarily from reductions in accumulated other comprehensive income due to declines in the market value of the Company’s available-for-sale investment portfolio.  The market value declines were the direct result of the increasing interest rate environment in 1Q2022.  No other-than-temporary impairment was recognized in the portfolio, and the Company has both the intent and ability to retain the investments for a period of time sufficient to allow for the full recovery of all market value decreases.  The market value decrease in available-for-sale securities was partially offset by an increase in the market value of cash flow derivative instruments that hedge certain deposits and borrowings on the Company’s balance sheet.

 

Cash Dividend – The Company declared a cash dividend of $0.03 per share on its common stock in 1Q2022.  The dividend was consistent with dividends paid during all four quarters of 2021.  

 

Share Repurchases - During 1Q2022, the Company completed share repurchases totaling 87,600 shares of its common stock at a weighted average price of $10.94 per share.  The repurchases were completed under the Company’s existing share repurchase program, which was amended in April 2021 to allow for the repurchase of additional shares through December 31, 2022.  As of March 31, 2022, a total of 921,613 shares remained available for repurchase under the program.

 

Regulatory Capital – During 1Q2022, the Bank continued to maintain capital ratios at higher levels than required to be considered a “well-capitalized” institution under applicable banking regulations. As of March 31, 2022, the Bank’s common equity Tier 1 capital and Tier 1 risk-based capital ratios were each 11.82%. Its total capital ratio was 12.95%, and its Tier 1 leverage ratio was 9.38%.

 

Liquidity – As of March 31, 2022, the Company continued to maintain excess funding capacity sufficient to provide adequate liquidity for loan growth, capital expenditures and ongoing operations. The Company benefits from a strong core deposit base, a liquid investment securities portfolio and access to funding from a variety of sources, including federal funds lines, Federal Home Loan Bank advances and brokered deposits.

 

 

 

 

 

 

 

 

 

3

 

 

 

 

About First US Bancshares, Inc.

 

First US Bancshares, Inc. (the “Company”) is a bank holding company that operates banking offices in Alabama, Tennessee, and Virginia through First US Bank (the “Bank”). In addition, the Company’s operations include Acceptance Loan Company, Inc. (“ALC”), a consumer loan company, and FUSB Reinsurance, Inc., an underwriter of credit life and credit accident and health insurance policies sold to the Bank’s and ALC’s consumer loan customers. The Company files periodic reports with the U.S. Securities and Exchange Commission (the “SEC”). Copies of its filings may be obtained through the SEC’s website at www.sec.gov or at www.firstusbank.com. More information about the Company and the Bank may be obtained at www.firstusbank.com. The Company’s stock is traded on the Nasdaq Capital Market under the symbol “FUSB.”

 

Forward-Looking Statements

 

This press release contains forward-looking statements, as defined by federal securities laws. Statements contained in this press release that are not historical facts are forward-looking statements. These statements may address issues that involve significant risks, uncertainties, estimates and assumptions made by management. The Company undertakes no obligation to update these statements following the date of this press release, except as required by law. In addition, the Company, through its senior management, may make from time to time forward-looking public statements concerning the matters described herein. Such forward-looking statements are necessarily estimates reflecting the best judgment of the Company’s senior management based upon current information and involve a number of risks and uncertainties.

 

Certain factors that could affect the accuracy of such forward-looking statements and cause actual results to differ materially from those projected in such forward-looking statements are identified in the public filings made by the Company with the SEC, and forward-looking statements contained in this press release or in other public statements of the Company or its senior management should be considered in light of those factors. Such factors may include the rate of growth (or lack thereof) in the economy generally and in the Company’s service areas;; the impact of the current COVID-19 pandemic on the Company’s business, the Company’s customers, the communities that the Company serves and the United States economy, including the impact of actions taken by governmental authorities to try to contain the virus and  protect against it, through vaccinations and otherwise, or address the impact of the virus on the United States economy (including, without limitation, the Coronavirus Aid, Relief and Economic Security (CARES) Act and subsequent federal legislation) and the resulting effect on the Company’s operations, liquidity and capital position and on the financial condition of the Company’s borrowers and other customers; the impact of changing accounting standards and tax laws on the Company’s allowance for loan losses and financial results; the impact of national and local market conditions on the Company’s business and operations; strong competition in the banking industry; the impact of changes in interest rates and monetary policy on the Company’s performance and financial condition; the pending discontinuation of LIBOR as an interest rate benchmark; the impact of technological changes in the banking and financial service industries and potential information system failures; cybersecurity and data privacy threats; the costs of complying with extensive governmental regulation; the possibility that acquisitions may not produce anticipated results and result in unforeseen integration difficulties; and other risk factors described from time to time in the Company’s public filings, including, but not limited to, the Company’s most recent Annual Report on Form 10-K. Relative to the Company’s dividend policy, the payment of cash dividends is subject to the discretion of the Board of Directors and will be determined in light of then-current conditions, including the Company’s earnings,  leverage, operations, financial conditions, capital requirements and other factors deemed relevant by the Board of Directors. In the future, the Board of Directors may change the Company’s dividend policy, including the frequency or amount of any dividend, in light of then-existing conditions.

4

 

 

 

 

FIRST US BANCSHARES, INC. AND SUBSIDIARIES

SELECTED FINANCIAL DATA – LINKED QUARTERS

(Dollars in Thousands, Except Per Share Data)

(Unaudited)

 

 

 

Quarter Ended

 

 

 

2022

 

 

2021

 

 

 

March

31,

 

 

December

31,

 

 

September

30,

 

 

June

30,

 

 

March

31,

 

Results of Operations:

 

(Unaudited)

 

 

(Unaudited)

 

 

(Unaudited)

 

 

(Unaudited)

 

 

(Unaudited)

 

Interest income

 

$

9,381

 

 

$

9,987

 

 

$

10,030

 

 

$

10,059

 

 

$

9,845

 

Interest expense

 

 

672

 

 

 

727

 

 

 

695

 

 

 

747

 

 

 

781

 

Net interest income

 

 

8,709

 

 

 

9,260

 

 

 

9,335

 

 

 

9,312

 

 

 

9,064

 

Provision for loan and lease losses

 

 

721

 

 

 

493

 

 

 

618

 

 

 

498

 

 

 

401

 

Net interest income after provision for loan

   and lease losses

 

 

7,988

 

 

 

8,767

 

 

 

8,717

 

 

 

8,814

 

 

 

8,663

 

Non-interest income

 

 

829

 

 

 

865

 

 

 

896

 

 

 

809

 

 

 

951

 

Non-interest expense

 

 

7,056

 

 

 

7,414

 

 

 

8,547

 

 

 

8,399

 

 

 

8,396

 

Income before income taxes

 

 

1,761

 

 

 

2,218

 

 

 

1,066

 

 

 

1,224

 

 

 

1,218

 

Provision for income taxes

 

 

400

 

 

 

507

 

 

 

229

 

 

 

271

 

 

 

268

 

Net income

 

$

1,361

 

 

$

1,711

 

 

$

837

 

 

$

953

 

 

$

950

 

Per Share Data:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic net income per share

 

$

0.22

 

 

$

0.27

 

 

$

0.13

 

 

$

0.15

 

 

$

0.15

 

Diluted net income per share

 

$

0.20

 

 

$

0.25

 

 

$

0.13

 

 

$

0.14

 

 

$

0.14

 

Dividends declared

 

$

0.03

 

 

$

0.03

 

 

$

0.03

 

 

$

0.03

 

 

$

0.03

 

Key Measures (Period End):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets

 

$

968,646

 

 

$

958,302

 

 

$

956,734

 

 

$

946,946

 

 

$

926,535

 

Tangible assets (1)

 

 

960,650

 

 

 

950,233

 

 

 

948,592

 

 

 

938,719

 

 

 

918,216

 

Loans, net of allowance for loan losses

 

 

669,846

 

 

 

700,030

 

 

 

696,972

 

 

 

677,756

 

 

 

659,230

 

Allowance for loan and lease losses

 

 

8,484

 

 

 

8,320

 

 

 

8,193

 

 

 

7,726

 

 

 

7,475

 

Investment securities, net

 

 

137,736

 

 

 

134,319

 

 

 

121,467

 

 

 

123,583

 

 

 

75,783

 

Total deposits

 

 

853,117

 

 

 

838,126

 

 

 

846,842

 

 

 

837,885

 

 

 

818,043

 

Short-term borrowings

 

 

10,062

 

 

 

10,046

 

 

 

10,037

 

 

 

10,017

 

 

 

10,017

 

Long-term borrowings

 

 

10,671

 

 

 

10,653

 

 

 

-

 

 

 

-

 

 

 

-

 

Total shareholders’ equity

 

 

87,807

 

 

 

90,064

 

 

 

89,597

 

 

 

88,778

 

 

 

87,917

 

Tangible common equity (1)

 

 

79,811

 

 

 

81,995

 

 

 

81,455

 

 

 

80,551

 

 

 

79,598

 

Book value per common share

 

 

14.33

 

 

 

14.59

 

 

 

14.41

 

 

 

14.28

 

 

 

14.15

 

Tangible book value per common share (1)

 

 

13.02

 

 

 

13.28

 

 

 

13.10

 

 

 

12.96

 

 

 

12.81

 

Key Ratios:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets (annualized)

 

 

0.58

%

 

 

0.71

%

 

 

0.35

%

 

 

0.41

%

 

 

0.43

%

Return on average common equity

   (annualized)

 

 

6.17

%

 

 

7.54

%

 

 

3.71

%

 

 

4.32

%

 

 

4.41

%

Return on average tangible common equity

   (annualized) (1)

 

 

6.77

%

 

 

8.29

%

 

 

4.08

%

 

 

4.76

%

 

 

4.87

%

Net interest margin

 

 

3.97

%

 

 

4.10

%

 

 

4.17

%

 

 

4.31

%

 

 

4.40

%

Efficiency ratio (2)

 

 

74.0

%

 

 

73.2

%

 

 

83.5

%

 

 

83.0

%

 

 

83.8

%

Net loans to deposits

 

 

78.5

%

 

 

83.5

%

 

 

82.3

%

 

 

80.9

%

 

 

80.6

%

Net loans to assets

 

 

69.2

%

 

 

73.0

%

 

 

72.8

%

 

 

71.6

%

 

 

71.2

%

Tangible common equity to tangible

   assets (1)

 

 

8.31

%

 

 

8.63

%

 

 

8.59

%

 

 

8.58

%

 

 

8.67

%

Tier 1 leverage ratio (3)

 

 

9.38

%

 

 

9.17

%

 

 

8.51

%

 

 

8.60

%

 

 

8.73

%

Allowance for loan losses as % of loans

 

 

1.25

%

 

 

1.17

%

 

 

1.16

%

 

 

1.13

%

 

 

1.12

%

Nonperforming assets as % of total assets

 

 

0.32

%

 

 

0.43

%

 

 

0.35

%

 

 

0.22

%

 

 

0.37

%

Net charge-offs as a percentage of average loans

 

 

0.32

%

 

 

0.18

%

 

 

0.09

%

 

 

0.15

%

 

 

0.25

%

 

(1)  Refer to Non-GAAP reconciliation of tangible balances and measures beginning on page 10.

(2)  Efficiency ratio = non-interest expense / (net interest income + non-interest income)

(3)  First US Bank Tier 1 leverage ratio

 

 


5

 

 

 

 

 

FIRST US BANCSHARES, INC. AND SUBSIDIARIES

NET INTEREST MARGIN

THREE MONTHS ENDED MARCH 31, 2022 AND 2021

(Dollars in Thousands)

(Unaudited)

 

 

Three Months Ended

 

 

Three Months Ended

 

 

 

March 31, 2022

 

 

March 31, 2021

 

 

 

Average

Balance

 

 

Interest

 

 

Annualized

Yield/

Rate %

 

 

Average

Balance

 

 

Interest

 

 

Annualized

Yield/

Rate %

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans

 

$

696,695

 

 

$

8,847

 

 

 

5.15

%

 

$

652,886

 

 

$

9,490

 

 

 

5.89

%

Taxable investment securities

 

 

130,306

 

 

 

485

 

 

 

1.51

%

 

 

83,151

 

 

 

306

 

 

 

1.49

%

Tax-exempt investment securities

 

 

2,771

 

 

 

12

 

 

 

1.76

%

 

 

3,522

 

 

 

16

 

 

 

1.84

%

Federal Home Loan Bank stock

 

 

879

 

 

 

8

 

 

 

3.69

%

 

 

1,106

 

 

 

9

 

 

 

3.30

%

Federal funds sold

 

 

81

 

 

 

—

 

 

 

—

 

 

 

84

 

 

 

—

 

 

 

—

 

Interest-bearing deposits in banks

 

 

57,859

 

 

 

29

 

 

 

0.20

%

 

 

95,303

 

 

 

24

 

 

 

0.10

%

Total interest-earning assets

 

 

888,591

 

 

 

9,381

 

 

 

4.28

%

 

 

836,052

 

 

 

9,845

 

 

 

4.78

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-earning assets

 

 

64,958

 

 

 

 

 

 

 

 

 

 

 

68,838

 

 

 

 

 

 

 

 

 

Total

 

$

953,549

 

 

 

 

 

 

 

 

 

 

$

904,890

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS’ EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Demand deposits

 

$

250,612

 

 

$

126

 

 

 

0.20

%

 

$

225,152

 

 

$

139

 

 

 

0.25

%

Savings deposits

 

 

197,016

 

 

 

140

 

 

 

0.29

%

 

 

174,678

 

 

 

145

 

 

 

0.34

%

Time deposits

 

 

210,727

 

 

 

249

 

 

 

0.48

%

 

 

238,659

 

 

 

459

 

 

 

0.78

%

Total interest-bearing deposits

 

 

658,355

 

 

 

515

 

 

 

0.32

%

 

 

638,489

 

 

 

743

 

 

 

0.47

%

Noninterest-bearing demand deposits

 

 

175,285

 

 

 

—

 

 

 

—

 

 

 

159,208

 

 

 

—

 

 

 

—

 

Total deposits

 

 

833,640

 

 

 

515

 

 

 

0.25

%

 

 

797,697

 

 

 

743

 

 

 

0.38

%

Borrowings

 

 

20,715

 

 

 

157

 

 

 

3.07

%

 

 

10,016

 

 

 

38

 

 

 

1.54

%

Total funding costs

 

 

854,355

 

 

 

672

 

 

 

0.32

%

 

 

807,713

 

 

 

781

 

 

 

0.39

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other noninterest-bearing liabilities

 

 

9,692

 

 

 

 

 

 

 

 

 

 

 

9,720

 

 

 

 

 

 

 

 

 

Shareholders’ equity

 

 

89,502

 

 

 

 

 

 

 

 

 

 

 

87,457

 

 

 

 

 

 

 

 

 

Total

 

$

953,549

 

 

 

 

 

 

 

 

 

 

$

904,890

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

 

 

 

 

$

8,709

 

 

 

 

 

 

 

 

 

 

$

9,064

 

 

 

 

 

Net interest margin

 

 

 

 

 

 

 

 

 

 

3.97

%

 

 

 

 

 

 

 

 

 

 

4.40

%

 

 

 

 

6

 

 

 

 

 

FIRST US BANCSHARES, INC. AND SUBSIDIARIES

INTERIM CONDENSED CONSOLIDATED BALANCE SHEETS

(Dollars in Thousands, Except Per Share Data)

 

 

 

March 31,

 

 

December 31,

 

 

 

2022

 

 

2021

 

 

 

(Unaudited)

 

 

 

 

 

ASSETS

 

 

 

 

 

 

 

 

Cash and due from banks

 

$

12,537

 

 

$

10,843

 

Interest-bearing deposits in banks

 

 

85,302

 

 

 

50,401

 

Total cash and cash equivalents

 

 

97,839

 

 

 

61,244

 

Federal funds sold

 

 

81

 

 

 

82

 

Investment securities available-for-sale, at fair value

 

 

135,018

 

 

 

130,883

 

Investment securities held-to-maturity, at amortized cost

 

 

2,718

 

 

 

3,436

 

Federal Home Loan Bank stock, at cost

 

 

934

 

 

 

870

 

Loans and leases, net of allowance for loan and lease losses of $8,484 and

   $8,320, respectively

 

 

669,846

 

 

 

700,030

 

Premises and equipment, net of accumulated depreciation of $22,204

   and $21,916, respectively

 

 

24,881

 

 

 

25,123

 

Cash surrender value of bank-owned life insurance

 

 

16,213

 

 

 

16,141

 

Accrued interest receivable

 

 

2,450

 

 

 

2,556

 

Goodwill and core deposit intangible, net

 

 

7,996

 

 

 

8,069

 

Other real estate owned

 

 

874

 

 

 

2,149

 

Other assets

 

 

9,796

 

 

 

7,719

 

Total assets

 

$

968,646

 

 

$

958,302

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS’ EQUITY

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Non-interest-bearing

 

$

183,536

 

 

$

174,501

 

Interest-bearing

 

 

669,581

 

 

 

663,625

 

Total deposits

 

 

853,117

 

 

 

838,126

 

Accrued interest expense

 

 

305

 

 

 

224

 

Other liabilities

 

 

6,684

 

 

 

9,189

 

Short-term borrowings

 

 

10,062

 

 

 

10,046

 

Long-term borrowings

 

 

10,671

 

 

 

10,653

 

Total liabilities

 

 

880,839

 

 

 

868,238

 

 

 

 

 

 

 

 

 

 

Shareholders’ equity:

 

 

 

 

 

 

 

 

Common stock, par value $0.01 per share, 10,000,000 shares authorized;

   7,679,659 and 7,634,918 shares issued, respectively; 6,129,519 and 6,172,378

   shares outstanding, respectively

 

 

75

 

 

 

75

 

Additional paid-in capital

 

 

14,278

 

 

 

14,163

 

Accumulated other comprehensive loss, net of tax

 

 

(2,866

)

 

 

(276

)

Retained earnings

 

 

99,604

 

 

 

98,428

 

Less treasury stock: 1,550,140 and 1,462,540 shares at cost, respectively

 

 

(23,284

)

 

 

(22,326

)

Total shareholders’ equity

 

 

87,807

 

 

 

90,064

 

 

 

 

 

 

 

 

 

 

Total liabilities and shareholders’ equity

 

$

968,646

 

 

$

958,302

 

 

7

 

 

 

 

 

FIRST US BANCSHARES, INC. AND SUBSIDIARIES

INTERIM CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

(Dollars in Thousands, Except Per Share Data)

 

 

 

 

Three Months Ended

 

 

 

March 31,

 

 

 

2022

 

 

 

 

2021

 

 

 

(Unaudited)

 

Interest income:

 

 

 

 

 

 

 

 

 

 

Interest and fees on loans

 

$

8,847

 

 

 

 

$

9,490

 

Interest on investment securities:

 

 

 

 

 

 

 

 

 

 

Taxable

 

 

485

 

 

 

 

 

306

 

Tax-exempt

 

 

12

 

 

 

 

 

16

 

Other interest and dividends

 

 

37

 

 

 

 

 

33

 

Total interest income

 

 

9,381

 

 

 

 

 

9,845

 

 

 

 

 

 

 

 

 

 

 

 

Interest expense:

 

 

 

 

 

 

 

 

 

 

Interest on deposits

 

 

516

 

 

 

 

 

743

 

Interest on short-term borrowings

 

 

35

 

 

 

 

 

38

 

Interest on long-term borrowings

 

 

121

 

 

 

 

 

—

 

Total interest expense

 

 

672

 

 

 

 

 

781

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income

 

 

8,709

 

 

 

 

 

9,064

 

 

 

 

 

 

 

 

 

 

 

 

Provision for loan and lease losses

 

 

721

 

 

 

 

 

401

 

 

 

 

 

 

 

 

 

 

 

 

Net interest income after provision for loan and lease losses

 

 

7,988

 

 

 

 

 

8,663

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest income:

 

 

 

 

 

 

 

 

 

 

Service and other charges on deposit accounts

 

 

299

 

 

 

 

 

266

 

Lease income

 

 

214

 

 

 

 

 

209

 

Other income, net

 

 

316

 

 

 

 

 

476

 

Total non-interest income

 

 

829

 

 

 

 

 

951

 

 

 

 

 

 

 

 

 

 

 

 

Non-interest expense:

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

4,330

 

 

 

 

 

4,914

 

Net occupancy and equipment

 

 

766

 

 

 

 

 

1,039

 

Computer services

 

 

377

 

 

 

 

 

465

 

Fees for professional services

 

 

268

 

 

 

 

 

357

 

Other expense

 

 

1,315

 

 

 

 

 

1,621

 

Total non-interest expense

 

 

7,056

 

 

 

 

 

8,396

 

 

 

 

 

 

 

 

 

 

 

 

Income before income taxes

 

 

1,761

 

 

 

 

 

1,218

 

Provision for income taxes

 

 

400

 

 

 

 

 

268

 

Net income

 

$

1,361

 

 

 

 

$

950

 

Basic net income per share

 

$

0.22

 

 

 

 

$

0.15

 

Diluted net income per share

 

$

0.20

 

 

 

 

$

0.14

 

Dividends per share

 

$

0.03

 

 

 

 

$

0.03

 

 


8

 

 

 

 

Non-GAAP Financial Measures

 

In addition to the financial results presented in this press release that have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”), the Company’s management believes that certain non-GAAP financial measures and ratios are beneficial to the reader. These non-GAAP measures have been provided to enhance overall understanding of the Company’s current financial performance and position. Management believes that these presentations provide meaningful comparisons of financial performance and position in various periods and can be used as a supplement to the GAAP-based measures presented in this press release. The non-GAAP financial results presented should not be considered a substitute for the GAAP-based results. Management believes that both GAAP measures of the Company’s financial performance and the respective non-GAAP measures should be considered together.

 

The non-GAAP measures and ratios that have been provided in this press release include measures of tangible assets and equity and certain ratios that include tangible assets and equity. Discussion of these measures and ratios is included below, along with reconciliations of such non-GAAP measures to GAAP amounts included in the financial statements previously presented in this press release.

 

Tangible Balances and Measures

 

In addition to capital ratios defined by GAAP and banking regulators, the Company utilizes various tangible common equity measures when evaluating capital utilization and adequacy. These measures, which are presented in the financial tables in this press release, may also include calculations of tangible assets. As defined by the Company, tangible common equity represents shareholders’ equity less goodwill and identifiable intangible assets, while tangible assets represent total assets less goodwill and identifiable intangible assets.

 

Management believes that the measures of tangible equity are important because they reflect the level of capital available to withstand unexpected market conditions. In addition, presentation of these measures allows readers to compare certain aspects of the Company’s capitalization to other organizations. In management’s experience, many stock analysts use tangible common equity measures in conjunction with more traditional bank capital ratios to compare capital adequacy of banking organizations with significant amounts of goodwill or other intangible assets that typically result from the use of the purchase accounting method in accounting for mergers and acquisitions.

 

These calculations are intended to complement the capital ratios defined by GAAP and banking regulators. Because GAAP does not include these measures, management believes that there are no comparable GAAP financial measures to the tangible common equity ratios that the Company utilizes. Despite the importance of these measures to the Company, there are no standardized definitions for the measures, and, therefore, the Company’s calculations may not be comparable with those of other organizations. In addition, there may be limits to the usefulness of these measures to investors. Accordingly, management encourages readers to consider the Company’s consolidated financial statements in their entirety and not to rely on any single financial measure. The table below reconciles the Company’s calculations of these measures to amounts reported in accordance with GAAP.

 

 

9

 

 

 

 

 

 

 

 

 

 

Quarter Ended

 

 

 

 

 

2022

 

 

2021

 

 

 

 

 

March

31,

 

 

December

31,

 

 

September

30,

 

 

June

30,

 

 

March

31,

 

 

 

 

 

(Dollars in Thousands, Except Per Share Data)

 

 

 

 

 

(Unaudited Reconciliation)

 

TANGIBLE BALANCES

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets

 

 

 

$

968,646

 

 

$

958,302

 

 

$

956,734

 

 

$

946,946

 

 

$

926,535

 

Less: Goodwill

 

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

Less: Core deposit intangible

 

 

 

 

561

 

 

 

634

 

 

 

707

 

 

 

792

 

 

 

884

 

Tangible assets

 

(a)

 

$

960,650

 

 

$

950,233

 

 

$

948,592

 

 

$

938,719

 

 

$

918,216

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total shareholders’ equity

 

 

 

$

87,807

 

 

$

90,064

 

 

$

89,597

 

 

$

88,778

 

 

$

87,917

 

Less: Goodwill

 

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

Less: Core deposit intangible

 

 

 

 

561

 

 

 

634

 

 

 

707

 

 

 

792

 

 

 

884

 

Tangible common equity

 

(b)

 

$

79,811

 

 

$

81,995

 

 

$

81,455

 

 

$

80,551

 

 

$

79,598

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Average shareholders’ equity

 

 

 

$

89,502

 

 

$

90,010

 

 

$

89,603

 

 

$

88,477

 

 

$

87,456

 

Less: Average goodwill

 

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

 

 

7,435

 

Less: Average core deposit intangible

 

 

 

 

596

 

 

 

669

 

 

 

746

 

 

 

836

 

 

 

927

 

Average tangible shareholders’ equity

 

(c)

 

$

81,471

 

 

$

81,906

 

 

$

81,422

 

 

$

80,206

 

 

$

79,094

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income

 

(d)

 

$

1,361

 

 

$

1,711

 

 

$

837

 

 

$

953

 

 

$

950

 

Common shares outstanding (in thousands)

 

(e)

 

 

6,130

 

 

 

6,172

 

 

 

6,218

 

 

 

6,215

 

 

 

6,214

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TANGIBLE MEASURES

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tangible book value per common share

 

(b)/(e)

 

$

13.02

 

 

$

13.28

 

 

$

13.10

 

 

$

12.96

 

 

$

12.81

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Tangible common equity to tangible assets

 

(b)/(a)

 

 

8.31

%

 

 

8.63

%

 

 

8.59

%

 

 

8.58

%

 

 

8.67

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average tangible common equity (annualized)

 

(1)

 

 

6.77

%

 

 

8.29

%

 

 

4.08

%

 

 

4.76

%

 

 

4.87

%

 

 

(1)

Calculation of Return on average tangible common equity (annualized) = ((net income (d) / number of days in period) * number of days in year) / average tangible shareholders’ equity (c)

 

10

 

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Document and Entity Information
Apr. 27, 2022
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Apr. 27, 2022
Entity Registrant Name First US Bancshares, Inc.
Entity Central Index Key 0000717806
Entity Incorporation, State or Country Code DE
Entity File Number 0-14549
Entity Tax Identification Number 63-0843362
Entity Address, Address Line One 3291 U.S. Highway 280
Entity Address, City or Town Birmingham
Entity Address, State or Province AL
Entity Address, Postal Zip Code 35243
City Area Code 205
Local Phone Number 582-1200
Title of 12(b) Security Common Stock, $0.01 par value
Trading Symbol FUSB
Security Exchange Name NASDAQ
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
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