0001437749-23-011074.txt : 20230426 0001437749-23-011074.hdr.sgml : 20230426 20230426090016 ACCESSION NUMBER: 0001437749-23-011074 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20230426 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20230426 DATE AS OF CHANGE: 20230426 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Finward Bancorp CENTRAL INDEX KEY: 0000919864 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 351927981 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-40999 FILM NUMBER: 23846984 BUSINESS ADDRESS: STREET 1: 9204 COLUMBIA AVE CITY: MUNSTER STATE: IN ZIP: 46321 BUSINESS PHONE: 219 836-9690 MAIL ADDRESS: STREET 1: 9204 COLUMBIA AVE CITY: MUNSTER STATE: IN ZIP: 46321 FORMER COMPANY: FORMER CONFORMED NAME: NORTHWEST INDIANA BANCORP DATE OF NAME CHANGE: 19940307 8-K 1 fnwd20230425_8k.htm FORM 8-K fnwd20230425_8k.htm
false 0000919864 0000919864 2023-04-26 2023-04-26
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 26, 2023
 
FINWARD BANCORP
(Exact name of registrant as specified in its charter)
 
Indiana 001-40999 35-1927981
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
 
9204 Columbia Avenue
Munster, Indiana 46321
(Address of principal executive offices) (Zip Code)
 
(219) 836-4400
(Registrant's telephone number, including area code)
 
N/A
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K 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, no par value
FNWD
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 26, 2023, Finward Bancorp (the “Bancorp”) issued a press release reporting its unaudited financial results for the quarter ending March 31, 2023. A copy of the press release is filed as Exhibit 99.1 to this report and is incorporated herein by reference.
 
 
Item 9.01.         Financial Statements and Exhibits.
 
 
(d)
Exhibits.
 
 
99.1
 
 
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)
 
 
 
 
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 hereunto duly authorized.
 
Date: April 26, 2023
 
FINWARD BANCORP
By:
/s/ Peymon S. Torabi
Name: Peymon S. Torabi
    Title: Executive Vice President, Chief  
Financial Officer and Treasurer
 
 
 EX-99.1 2 ex_506927.htm EXHIBIT 99.1 ex_506927.htm

 

Exhibit 99.1

 

FOR IMMEDIATE RELEASE FOR FURTHER INFORMATION
APRIL 26, 2023  CONTACT SHAREHOLDER SERVICES
  (219) 853-7575

 

FINWARD BANCORP

ANNOUNCES EARNINGS FOR THE QUARTER ENDED

MARCH 31, 2023

 

Munster, Indiana - Finward Bancorp (Nasdaq: FNWD) (the “Bancorp”), the holding company for Peoples Bank (the “Bank”), today announced that net income available to common shareholders was $2.2 million, or $0.51 per diluted share, for the quarter ended March 31, 2023, as compared to $2.1 million, or $0.53 per diluted share, for the corresponding prior year period. Selected performance metrics are as follows for the periods presented:

 

Finward Bancorp

Quarterly Financial Report

 

Performance Ratios

  

Quarter ended,

  
   

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  

Return on equity

     6.42 %     12.96 %     13.65 %     12.45 %     5.01 %

Return on assets

     0.43 %     0.78 %     0.88 %     0.85 %     0.44 %

Noninterest income / average assets

     0.50 %     0.56 %     0.51 %     0.56 %     0.64 %

Noninterest expense / average assets

     2.75 %     3.07 %     2.90 %     2.91 %     3.33 %

Efficiency ratio

     82.35 %     79.63 %     74.54 %     75.15 %     87.10 %

 

“The first quarter of 2023 was the most challenging for the industry since the end of the great financial crisis. We experienced significant upheaval in the industry and had to react in order to ensure stability during a very uncertain time. Our response focused on our customers and ensuring liquidity on our balance sheet to give certainty to all of our customers, investors, and communities we serve. As the quarter closed, we ended with additional borrowings in order to maintain excess liquidity and saw a flow of deposit dollars from transaction accounts to higher priced deposit accounts. Ultimately, we were able to preserve our customer base, and believe that the deposit picture has stabilized since the events of March. Despite more growth in interest income, this led to net interest margin compression that has been felt across the industry,” said Benjamin Bochnowski, chief executive officer. “With so many external variables out of our control and impacting our business, we are focused internally on operations and expense management. Non-interest expense decreased by 9.1% from the prior quarter as a result. We also saw a decrease to our unrealized losses as bond prices improve, which benefitted tangible book value despite an impact from implementing the Current Expected Credit Loss (CECL) model.”

 

Highlights of the quarter include:

 

 

●

Net interest margin: The net interest margin for the quarter ended March 31, 2023, was 3.07%, compared to 3.41% for the quarter ended March 31, 2022. The tax-adjusted net interest margin (a non-GAAP measure) for the quarter ended March 31, 2023, was 3.23%, compared to 3.63% for the quarter ended March 31, 2022. The decreased net interest margin is primarily the result of higher cost of funds resulting from the higher rate environment year over year. We anticipate the compression seen in the first quarter of the year to continue, unless target rates decrease, and our interest-bearing liabilities are able to be repriced at those lower rates. See Table 1 at the end of this press release for a reconciliation of the tax-adjusted net interest margin to the GAAP net interest margin.

 

 
 

 

 

●

Funding - On March 31, 2023, core deposits totaled $1.3 billion, compared to $1.4 billion on December 31, 2022, a decrease of $77.2 million or 5.5%. Core deposits include checking, savings, and money market accounts and represented 73.9% of the Bancorp’s total deposits at March 31, 2023. During the first quarter of 2023, balances for checking and savings accounts decreased. On March 31, 2023, balances for certificates of deposit totaled $471.4 million, compared to $363.1 million on December 31, 2022, an increase of $108.3 million or 29.8%. The decrease in core deposits and increase in certificate of deposit balances is related to customer preferences for higher yielding deposits, higher cost of funds resulting from the higher rate environment year over year, along with efforts by the Bank to manage and maintain lower cost of deposits in the future. In addition, on March 31, 2023, borrowings and repurchase agreements totaled $128.4 million, compared to $135.5 million at December 31, 2022, a decrease of $7.1 million or 5.2%. The decrease in short-term borrowings was the result of cyclical inflows and outflows of interest-earning assets and interest-bearing liabilities. As of March 31, 2023, 72% of our deposits are fully FDIC insured, and another 10% are further backed by the Indiana Public Deposit Insurance Fund. The Bancorp’s liquidity position remains strong with solid core deposit customer relationships, excess cash, debt securities, and access to diversified borrowing sources. The Bancorp has available liquidity of $918 million including borrowing capacity from the FHLB and Federal Reserve facilities and other sources.
 

●

Unrealized losses on the securities portfolio: Accumulated other comprehensive losses were $55.9 million as of March 31, 2023, compared to $64.3 million on December 31, 2022, a decrease of $8.4 million or 13.1%. The yield on the securities portfolio improved to 2.39% for the quarter ended March 31, 2023, up from 2.02% for the quarter ended March 31, 2022. The effective duration of the securities portfolio was 6.6 years as of March 31, 2023. Management continues to actively manage the securities portfolio and does not currently anticipate the need to realize losses from the securities portfolio, as losses are currently driven by the interest rate environment and management expects such losses to be fully recoverable. Further, it remains unlikely the Bancorp will be required to sell the investments in the portfolio before recovery of their amortized cost basis, which may be at maturity.
 

●

Gain on sale of loans: Increases in mortgage rates have dampened demand and slowed the sale of fixed rate mortgage loans into the secondary market. As a result, gains from the sale of loans for the quarter ended March 31, 2023, totaled $263 thousand, down from $595 thousand for the quarter ended March 31, 2022. During the quarter ended March 31, 2023, the Bancorp originated $8.3 million in new fixed rate mortgage loans for sale, compared to $15.7 million during the quarter ended March 31, 2022. During the quarter ended March 31, 2023, the Bancorp originated $5.7 million in new mortgage loans retained in its portfolio, compared to $19.3 million during the quarter ended March 31, 2022. These retained loans are primarily construction loans and adjustable-rate loans with a fixed-rate period of 7 years or less, and the Bank continues to sell longer-duration fixed rate mortgages into the secondary market.
 

●

Commercial lending - The Bancorp’s loan portfolio totaled $1.52 billion on March 31, 2023, compared to $1.51 billion on March 31, 2022, an increase of $7.5 million or 0.5%. The increase is primarily the result of organic loan portfolio growth. During the first quarter of 2023 the Bancorp originated $63.7 million in new commercial loans, compared to $98.0 million during the quarter ended March 31, 2022. The loan portfolio represents 78.8% of earning assets and is comprised of 62.7% commercial related credits.
 

●

Asset quality: At March 31, 2023, the allowance for credit losses (ACL) totaled $19.6 million and is considered adequate by management. For the quarter ended March 31, 2023, charge-offs, net of recoveries, totaled $4 thousand. The allowance for credit losses as a percentage of total loans was 1.29% at March 31, 2023, and the allowance for credit losses as a percentage of non-performing loans, or coverage ratio, was 94.6% at March 31, 2023. As a result of the Bancorp’s implementation of the Current Expected Credit Losses (ASU No. 2016-13) accounting method beginning with the first quarter of 2023, an implementation entry of $5.7 million was made increasing the ACL by $5.1 million and unfunded commitment liability of $546 thousand, in addition $1.0 million of non-accretable credit loan discounts on purchase credit impaired loans now classified as purchase credit deteriorated were reallocated to the ACL increasing the ACL. At March 31, 2023, non-performing loans totaled $20.7 million, compared to $18.4 million at December 31, 2022, an increase of $2.3 million or 12.5%. The Bancorp’s ratio of non-performing loans to total loans was 1.36% at March 31, 2023, compared to 1.21% at December 31, 2022. The Bancorp’s ratio of non-performing assets to total assets was 1.04% at March 31, 2023, compared to 0.94% at December 31, 2022.
 

●

Optimizing the banking center footprint: During the first quarter, the Bank was able to sell a branch held for sale, resulting in a gain of $231 thousand for the period. Each branch closure and sale is expected to result in approximately $250 thousand in operational expense reduction, excluding personnel expenses. The Bank’s remaining 26 locations are being analyzed for footprint optimization opportunities, with additional locations showing the potential for reducing operating overhead over the next 12 months. These efforts are reducing fixed costs and allowing for redeployment of a portion of occupancy expenses into building a digital-forward foundation to better meet the needs of the customers and communities the Bancorp serves. On April 18, 2023, subsequent to first quarter-end reporting, the Bank was able to sell a branch held for sale for a gain of $45 thousand and resulting in two branches remaining held for sale as of the date of this release.
 

●

Personnel: A headcount freeze, and attrition plan remains in place, and has netted a reduction of 9 full time equivalents, or 3%, during the quarter ended March 31, 2023.
 

●

Capital Adequacy: As of March 31, 2023, the Bank’s tier 1 capital to adjusted average assets ratio totaled 7.7%, and under all regulatory capital requirements, continues to be considered well capitalized. The Bancorp’s tangible book value per share was $26.68 at March 31, 2023, up from $25.41 as of December 31, 2022 (a non-GAAP measure). Tangible common equity to total assets was 5.47% at March 31, 2023, up from 5.27% as of December 31, 2022 (a non-GAAP measure). The increase is due to recoveries of accumulated other comprehensive losses from the unrealized loss position on the securities portfolio as noted above. Excluding accumulated other comprehensive losses, tangible book value per share decreased to $39.67 as of March 31, 2023, from $40.36 as of December 31, 2022 (a non-GAAP measure). The decrease is related to the impact of the adoption of ASU No. 2016-13 reducing retained earnings by $4.2 million and dividends of $1.3 million. See Table 1 at the end of this press release for a reconciliation of the tangible book value per share, tangible book value per share adjusted for accumulated other losses, tangible capital as a percentage of tangible assets, and tangible capital as a percentage of tangible assets adjusted for accumulated other comprehensive losses to the related GAAP ratios.

 

 
 

 

Disclosures Regarding Non-GAAP Financial Measures

Reported amounts are presented in accordance with GAAP. In this press release the Bancorp also is providing certain financial measures that are identified as non-GAAP. The Bancorp’s management believes that the non-GAAP information, which consists of tangible common equity, tangible common equity/total assets, adjusted net interest margin, and efficiency ratio, which can vary from period to period, provides a better comparison of period to period operating performance. Additionally, the Bancorp believes this information is utilized by regulators and market analysts to evaluate a company’s financial condition and, therefore, such information is useful to investors. These disclosures should not be viewed as a substitute for financial results in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures which may be presented by other companies. Refer to Table 1 – Reconciliation of Non-GAAP Financial Measures at the end of this document for a reconciliation of the non-GAAP measures identified herein and their most comparable GAAP measures.

 

About Finward Bancorp

Finward Bancorp is a locally managed and independent financial holding company headquartered in Munster, Indiana, whose activities are primarily limited to holding the stock of Peoples Bank. Peoples Bank provides a wide range of personal, business, electronic and wealth management financial services from its 26 locations in Lake and Porter Counties in Northwest Indiana and Chicagoland. Finward Bancorp’s common stock is quoted on The NASDAQ Stock Market, LLC under the symbol FNWD. The website ibankpeoples.com provides information on Peoples Bank’s products and services, and Finward Bancorp’s investor relations.

 

Forward Looking Statements

This press release may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of the Bancorp. For these statements, the Bancorp claims the protections of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Statements in this communication should be considered in conjunction with the other information available about the Bancorp, including the information in the filings the Bancorp makes with the SEC. Forward-looking statements provide current expectations or forecasts of future events and are not guarantees of future performance. The forward-looking statements are based on management’s expectations and are subject to a number of risks and uncertainties. Forward-looking statements are typically identified by using words such as “anticipate,” “estimate,” “project,” “intend,” “plan,” “believe,” “will” and similar expressions in connection with any discussion of future operating or financial performance.

 

Although management believes that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from those expressed or implied in such statements. Risks and uncertainties that could cause actual results to differ materially include: difficulties and delays in integrating Finward’s and Royal’s businesses or fully realizing cost savings and other benefits; business disruption following the merger; changes in asset quality and credit risk; the inability to sustain revenue and earnings growth; changes in interest rates, market liquidity, and capital markets, as well as the magnitude of such changes, which may reduce net interest margins; inflation; further deterioration in the market value of securities held in the Bancorp’s investment securities portfolio, whether as a result of macroeconomic factors or otherwise; customer acceptance of the Bancorp’s products and services; customer borrowing, repayment, investment, and deposit practices; customer disintermediation; the introduction, withdrawal, success, and timing of business initiatives; competitive conditions; the inability to realize cost savings or revenues or to implement integration plans and other consequences associated with mergers, acquisitions, and divestitures; economic conditions; and the impact, extent, and timing of technological changes, capital management activities, and other actions of the Federal Reserve Board and legislative and regulatory actions and reforms. Additional factors that could cause actual results to differ materially from those expressed in the forward-looking statements are discussed in Finward’s reports (such as the Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K) filed with the SEC and available at the SEC’s Internet website (www.sec.gov). All subsequent written and oral forward-looking statements concerning matters attributable to Finward or any person acting on its behalf are expressly qualified in their entirety by the cautionary statements above. Except as required by law, Finward does not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statement is made.

 

In addition to the above factors, we also caution that the actual amounts and timing of any future common stock dividends or share repurchases will be subject to various factors, including our capital position, financial performance, capital impacts of strategic initiatives, market conditions, and regulatory and accounting considerations, as well as any other factors that our Board of Directors deems relevant in making such a determination. Therefore, there can be no assurance that we will repurchase shares or pay any dividends to holders of our common stock, or as to the amount of any such repurchases or dividends.

 

 
 

 

Finward Bancorp

Quarterly Financial Report

 

Performance Ratios

  

Quarter ended,

  
   

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  

Return on equity

     6.42 %     12.96 %     13.65 %     12.45 %     5.01 %

Return on assets

     0.43 %     0.78 %     0.88 %     0.85 %     0.44 %

Yield on loans

     4.67 %     4.66 %     4.34 %     4.18 %     4.17 %

Yield on security investments

     2.39 %     2.44 %     2.30 %     2.23 %     2.02 %

Total yield on earning assets

     4.22 %     4.21 %     3.88 %     3.68 %     3.49 %

Cost of deposits

     0.92 %     0.45 %     0.19 %     0.08 %     0.08 %

Cost of repurchase agreements

     2.65 %     2.06 %     0.98 %     0.46 %     0.33 %

Cost of borrowed funds

     4.74 %     5.19 %     2.52 %     1.10 %     0.39 %

Total cost of funds

     1.15 %     0.65 %     0.22 %     0.09 %     0.08 %

Noninterest income / average assets

     0.50 %     0.56 %     0.51 %     0.56 %     0.64 %

Noninterest expense / average assets

     2.75 %  

3.07

 %     2.90 %     2.91 %     3.33 %

Net noninterest margin / average assets

     -2.25 %     -2.52 %     -2.39 %     -2.36 %     -2.68 %

Efficiency ratio

     82.35 %     79.63 %     74.54 %     75.15 %     87.10 %

Effective tax rate

     12.53 %     1.12 %     11.14 %     11.70 %     11.41 %
                                         

Non-performing assets to total assets

     1.04 %     0.94 %     0.58 %     0.53 %     0.47 %

Non-performing loans to total loans

     1.36 %     1.21 %     0.73 %     0.68 %     0.62 %

Allowance for credit losses to non-performing loans

     94.63 %     70.18 %     122.64 %     133.78 %     150.28 %

Allowance for credit losses to loans outstanding

     1.29 %     0.85 %     0.89 %     0.91 %     0.93 %

Foreclosed real estate to total assets

     0.00 %     0.00 %     0.00 %     0.00 %     0.00 %
                                         

Basic earnings per share

   $ 0.52     $ 0.93     $ 1.07     $ 1.04     $ 0.53  

Diluted earnings per share

   $ 0.51     $ 0.93     $ 1.07     $ 1.04     $ 0.53  

Net worth / total assets

     6.75 %     6.59 %     5.75 %     6.50 %     7.51 %

Book value per share

   $ 32.91     $ 31.73     $ 27.46     $ 31.80     $ 36.71  

Closing stock price

   $ 29.10     $ 36.20     $ 34.01     $ 37.49     $ 46.21  

Price per earnings per share

   $ 14.10     $ 9.70     $ 7.92     $ 8.97     $ 21.76  

Dividend declared per common share

   $ 0.31     $ 0.31     $ 0.31     $ 0.31     $ 0.31  

 

Non-GAAP Performance Ratios

  

Quarter ended,

  
   

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  

Net interest margin - tax equivalent

     3.23 %     3.73 %     3.84 %     3.78 %     3.63 %

Tangible book value per diluted share

   $ 26.68     $ 25.41     $ 20.99     $ 25.24     $ 30.01  

Tangible book value per diluted share adjusted for AOCI

   $ 39.67     $ 40.36     $ 39.57     $ 38.69     $ 37.80  

Tangible common equity to total assets

     5.47 %     5.27 %     4.39 %     5.16 %     6.14 %

Tangible common equity to total assets adjusted for AOCI

     8.14 %     8.38 %     8.28 %     7.91 %     7.74 %

 

 
 

 

Quarter Ended                                                
(Dollars in thousands)   Average Balances, Interest, and Rates  
(unaudited)   March 31, 2023     March 31, 2022  
   

Average
Balance

    

Interest

    

Rate (%)

    

Average
Balance

    

Interest

    

Rate (%)

  

ASSETS

                                                

Interest bearing deposits in other financial institutions

   $ 15,200     $ 183       4.82     $ 22,295     $ 8       0.14  

Federal funds sold

     836       8       3.83       8,015       -       -  

Certificates of deposit in other financial institutions

     2,455       16       2.61       1,725       3       0.70  

Securities available-for-sale

     373,548       2,234       2.39       510,119       2,575       2.02  

Loans receivable

     1,510,061       17,626       4.67       1,274,407       13,286       4.17  

Federal Home Loan Bank stock

     6,547       69       4.22       4,027       22       2.19  

Total interest earning assets

     1,908,647     $ 20,136       4.22       1,820,588     $ 15,894       3.49  

Cash and non-interest bearing deposits in other financial institutions

     15,821                       20,183                  

Allowance for credit losses

     (13,157 )                     (13,367 )                

Other noninterest bearing assets

     155,944                       127,943                  

Total assets

   $ 2,067,255                     $ 1,955,347                  
                                                 

LIABILITIES AND STOCKHOLDERS' EQUITY

                                                

Total deposits

   $ 1,777,813     $ 4,087       0.92     $ 1,737,620     $ 337       0.08  

Repurchase agreements

     18,270       121       2.65       19,390       16       0.33  

Borrowed funds

     106,406       1,260       4.74       6,091       6       0.39  

Total interest bearing liabilities

     1,902,489     $ 5,468       1.15       1,763,101     $ 359       0.08  

Other noninterest bearing liabilities

     25,198                       21,872                  

Total liabilities

     1,927,687                       1,784,973                  

Total stockholders' equity

     139,568                       170,374                  

Total liabilities and stockholders' equity

   $ 2,067,255                     $ 1,955,347                  
                                                 
                                                 

Return on average assets

     0.43 %                     0.44 %                

Return on average equity

     6.42 %                     5.01 %                

Net interest margin (average earning assets)

     3.07 %   $ 14,668               3.41 %   $ 15,535          

Net interest margin (average earning assets) - tax equivalent

     3.23 %                     3.63 %                

Net intrest spread

     3.07 %                     3.41 %                

Ratio of interest-earning assets to interest-bearing liabilities

  

1.00x

                    

1.03x

                  

 

 
 

 

Finward Bancorp

Quarterly Financial Report

 

Balance Sheet Data

                                        

(Dollars in thousands)

  

(Unaudited)

            

(Unaudited)

    

(Unaudited)

    

(Unaudited)

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  

Total assets

   $ 2,097,926     $ 2,070,339     $ 2,052,986     $ 2,101,485     $ 2,097,845  

Cash & cash equivalents

     54,781       31,282       38,296       79,302       54,501  

Certificates of deposit in other financial institutions

     2,452       2,456       2,214       1,482       1,731  

Securities - available for sale

     377,901       370,896       359,035       400,466       464,320  
                                         

Loans receivable:

                                        

Commercial real estate

   $ 484,564     $ 486,431     $ 452,852     $ 420,735     $ 408,375  

Residential real estate

     476,899       484,595       471,565       459,151       444,753  

Commercial business

     100,652       93,278       95,372       103,649       112,396  

Construction and land development

     116,308       108,926       134,301       153,422       150,810  

Multifamily

     252,633       251,014       258,377       248,495       234,267  

Home equity

     39,877       38,978       37,578       35,672       34,284  

Manufactured homes

     34,027       34,882       35,866       37,693       38,636  

Government

     10,646       9,549       9,649       8,081       8,176  

Consumer

     723       918       827       1,673       924  

Total loans

   $ 1,516,329     $ 1,508,571     $ 1,496,387     $ 1,468,571     $ 1,432,621  
                                         

Deposits:

                                        

Core deposits:

                                        

Noninterest bearing checking

   $ 330,057     $ 359,092     $ 386,137     $ 370,567     $ 380,515  

Interest bearing checking

     363,237       396,285       422,559       384,689       350,825  

Savings

     365,176       402,365       427,505       436,203       425,634  

Money market

     276,236       254,157       269,110       327,360       307,850  

Total core deposits

     1,334,706       1,411,899       1,505,311       1,518,819       1,464,824  

Certificates of deposit

     471,404       363,118       327,653       398,396       430,387  

Total deposits

   $ 1,806,110     $ 1,775,017     $ 1,832,964     $ 1,917,215     $ 1,895,211  
                                         

Borrowings and repurchase agreements

   $ 128,423     $ 135,503     $ 78,140     $ 24,536     $ 23,244  

Stockholder's equity

     141,632       136,393       118,023       136,654       157,637  

 

 
 

 

Finward Bancorp

Quarterly Financial Report

 

Consolidated Statements of Income

  

Quarter ended,

  

(Dollars in thousands)

  

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

    

(Unaudited)

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  

Interest income:

                                        

Loans

   $ 17,626     $ 17,504     $ 16,122     $ 15,221     $ 13,286  

Securities & short-term investments

     2,510       2,358       2,417       2,519       2,608  

Total interest income

     20,136       19,862       18,539       17,740       15,894  

Interest expense:

                                        

Deposits

     4,087       2,007       871       389       337  

Borrowings

     1,381       1,046       161       53       22  

Total interest expense

     5,468       3,053       1,032       442       359  

Net interest income

     14,668       16,809       17,507       17,298       15,535  

Provision for credit losses

     488       -       -       -       -  

Net interest income after provision for loan losses

     14,180       16,809       17,507       17,298       15,535  

Noninterest income:

                                        

Fees and service charges

     1,311       1,823       1,570       1,560       1,304  

Wealth management operations

     614       523       407       588       595  

Gain on sale of loans held-for-sale, net

     263       126       344       291       607  

Increase in cash value of bank owned life insurance

     179       182       183       193       252  

Gain on sale of securities, net

     -       -       23       258       381  

Gain on sale of foreclosed real estate, net

     -       16       -       -       -  

Other

     241       169       103       6       5  

Total noninterest income

     2,608       2,839       2,630       2,896       3,144  

Noninterest expense:

                                        

Compensation and benefits

     7,538       6,587       7,498       7,538       7,367  

Occupancy and equipment

     1,690       1,752       1,804       1,729       1,500  

Data processing

     973       1,238       1,212       1,246       3,054  

Federal deposit insurance premiums

     465       279       350       380       219  

Marketing

     255       284       587       385       651  

Impairment charge on assets held for sale

     -       1,232       -       -       -  

Net loss recognized on sale of premises and equipment

     -       49       254       -       -  

Other

     3,306       4,224       3,305       3,898       3,478  

Total noninterest expense

     14,227       15,645       15,010       15,176       16,269  

Income before income taxes

     2,561       4,003       5,127       5,018       2,410  

Income tax expenses

     321       45       571       587       275  

Net income

   $ 2,240     $ 3,958     $ 4,556     $ 4,431     $ 2,135  

 

 
 

 

Finward Bancorp

Quarterly Financial Report

 

Asset Quality

  

(Unaudited)

            

(Unaudited)

    

(Unaudited)

    

(Unaudited)

  

(Dollars in thousands)

  

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  
   

2023

    

2022

    

2022

    

2022

    

2022

  

Nonaccruing loans

   $ 19,801     $ 18,128     $ 8,943     $ 8,813     $ 8,414  

Accruing loans delinquent more than 90 days

     878       248       1,982       1,208       494  

Securities in non-accrual

     1,017       1,048       1,027       1,030       972  

Foreclosed real estate

     64       -       -       -       -  

Total nonperforming assets

   $ 21,760     $ 19,424     $ 11,952     $ 11,051     $ 9,880  
                                         

Allowance for credit losses (ACL):

                                        

ACL specific allowances for impaired loans

   $ 1,075     $ 338     $ 749     $ 731     $ 716  

ACL general allowances for loan portfolio

     18,493       12,559       12,649       12,675       12,671  

Total ACL

   $ 19,568     $ 12,897     $ 13,398     $ 13,406     $ 13,387  
                                         

Troubled Debt Restructurings:

                                        

Nonaccruing troubled debt restructurings, non-compliant (1) (2)

   $ 244     $ 343     $ 452     $ 308     $ 300  

Nonaccruing troubled debt restructurings, compliant (2)

     1,038       815       542       657       265  

Accruing troubled debt restructurings

     3,197       2,753       3,480       1,484       1,379  

Total troubled debt restructurings

   $ 4,479     $ 3,911     $ 4,474     $ 2,449     $ 1,944  

(1) "non-compliant" refers to not being within the guidelines of the restructuring agreement

(2) included in nonaccruing loan balances presented above

 

 

   

(Unaudited)

          
   

March 31,

    

Required

  
   

2023

    

To Be Well

  
   

Actual Ratio

    

Capitalized

  

Capital Adequacy Bank

                

Common equity tier 1 capital to risk-weighted assets

     10.0 %     6.5 %

Tier 1 capital to risk-weighted assets

     10.0 %     8.0 %

Total capital to risk-weighted assets

     11.0 %     10.0 %

Tier 1 capital to adjusted average assets

     7.7 %     5.0 %

 

 
 

 

 

Table 1 - Reconciliation of the Non-GAAP Performance Measures

                                        
                                           
 

(Dollars in thousands)

  

Quarter Ended

  
 

(unaudited)

  

March 31, 2023

    

December 31, 2022

    

September 30, 2022

    

June 30, 2022

    

March 31, 2022

  
 

Calculation of tangible common equity

                                        
 

Total stockholder's equity

   $ 141,632     $ 136,393     $ 118,023     $ 136,654     $ 157,637  
 

Goodwill

     (22,395 )     (22,395 )     (22,615 )     (22,615 )     (22,774 )
 

Other intangibles

     (4,402 )     (4,794 )     (5,188 )     (5,588 )     (5,998 )
(A)

Tangible common equity

   $ 114,835     $ 109,204     $ 90,220     $ 108,451     $ 128,865  
                                           
 

Calculation of tangible common equity adjusted for accumulated other comprehensive loss (income)

                                  
(A)

Tangible common equity

   $ 114,835     $ 109,204     $ 90,220     $ 108,451     $ 128,865  
 

Accumulated other comprehensive loss (income)

     55,895       64,300       79,839       57,781       33,462  
(B)

Tangible common equity adjusted for accumulated other comprehensive loss (income)

   $ 170,730     $ 173,504     $ 170,059     $ 166,232     $ 162,327  
                                           
 

Calculation of tangible book value per share

                                        
(A)

Tangible common equity

   $ 114,835     $ 109,204     $ 90,220     $ 108,451     $ 128,865  
 

Shares outstanding

     4,304,026       4,298,401       4,297,900       4,296,949       4,294,136  
 

Tangible book value per diluted share

   $ 26.68     $ 25.41     $ 20.99     $ 25.24     $ 30.01  
                                           
 

Calculation of tangible book value per diluted share adjusted for accumulated other comprehensive loss (income)

                                  
(B)

Tangible common equity adjusted for accumulated other comprehensive loss (income)

   $ 170,730     $ 173,504     $ 170,059     $ 166,232     $ 162,327  
 

Diluted average common shares outstanding

     4,304,026       4,298,401       4,297,900       4,296,949       4,294,136  
 

Tangible book value per diluted share adjusted for accumulated other comprehensive loss (income)

   $ 39.67     $ 40.36     $ 39.57     $ 38.69     $ 37.80  
                                           
 

Calculation of tangible common equity to total assets

                                        
(A)

Tangible common equity

   $ 114,835     $ 109,204     $ 90,220     $ 108,451     $ 128,865  
 

Total assets

     2,097,926       2,070,339       2,052,986       2,101,485       2,097,845  
 

Tangible common equity to total assets

     5.47 %     5.27 %     4.39 %     5.16 %     6.14 %
                                           
 

Calculation of tangible common equity to total assets

                                        
(B)

Tangible common equity adjusted for accumulated other comprehensive loss (income)

   $ 170,730     $ 173,504     $ 170,059     $ 166,232     $ 162,327  
 

Total assets

     2,097,926       2,070,339       2,052,986       2,101,485       2,097,845  
 

Tangible common equity to total assets adjusted for accumulated other comprehensive loss (income)

     8.14 %     8.38 %     8.28 %     7.91 %     7.74 %
                                           
 

Calculation of tax adjusted net interest margin

                                        
 

Net interest income

   $ 14,668     $ 16,809     $ 17,507     $ 17,298     $ 15,535  
 

Tax adjusted interest on securities and loans

     756       791       817       930       966  
 

Adjusted net interest income

     15,424       17,600       18,324       18,228       16,501  
 

Total average earning assets

     1,908,647       1,886,596       1,910,722       1,927,664       1,820,588  
 

Tax adjusted net interest margin

     3.23 %     3.73 %     3.84 %     3.78 %     3.63 %
                                           
 

Efficiency ratio

                                        
 

Total non-interest expense

   $ 14,227     $ 15,645     $ 15,010     $ 15,176     $ 16,269  
 

Total revenue

     17,276       19,648       20,137       20,194       18,679  
 

Efficiency ratio

     82.35 %     79.63 %     74.54 %     75.15 %     87.10 %

 

 
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