First Savings Financial Group, Inc. (FSFG)

FSFG Income Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	113.82	110.4	89.8	62.11	58.11	50.17
Interest Income on Investments	11.97	11.59	13.43	9.09	7.15	7.53
Total Interest Income	125.78	121.99	103.23	71.19	65.26	57.7
Interest Paid on Deposits	51.72	48.1	27.67	4.9	3.2	5.66
Interest Paid on Borrowings	14.65	15.83	13.98	5.64	4.89	4.88
Total Interest Expense	66.37	63.93	41.66	10.54	8.09	10.54
Net Interest Income	59.41	58.06	61.57	60.65	57.17	47.16
Net Interest Income Growth (YoY)	-0.03%	-5.70%	1.52%	6.09%	21.23%	17.64%
Mortgage Banking Activities	0.19	0.2	14.33	38.34	104.5	120.73
Gain (Loss) on Sale of Assets	0.16	0.12	0.05	-	0.08	-0.01
Gain (Loss) on Sale of Investments	0.93	0.49	-0.52	1.2	0.08	0.41
Other Non-Interest Income	7.74	7.35	6.97	6.35	5.63	4.84
Total Non-Interest Income	16.44	13.12	25.56	51.44	120.5	133.24
Non-Interest Income Growth (YoY)	-29.00%	-48.67%	-50.31%	-57.31%	-9.56%	203.03%
Revenues Before Loan Losses	75.85	71.18	87.14	112.1	177.67	180.4
Provision for Loan Losses	2.23	3.09	2.61	1.91	-1.77	7.96
Revenue	73.62	68.09	84.53	110.19	179.44	172.43
Revenue Growth (YoY)	-8.59%	-19.44%	-23.29%	-38.59%	4.06%	108.78%
Salaries and Employee Benefits	30.78	31.29	43.24	60.52	102.67	92.63
Occupancy Expenses	6.08	6.48	7.11	7.05	7.87	7.02
Federal Deposit Insurance	2.27	2.15	1.68	0.53	0.45	0.41
Selling, General & Administrative	7.76	8.08	9.98	14.29	17.02	15.32
Other Non-Interest Expense	4.89	4.88	12.71	10.17	11.47	10.44
Total Non-Interest Expense	51.79	52.89	74.72	92.66	139.41	125.81
EBT Excluding Unusual Items	21.83	15.2	9.8	17.53	40.03	46.63
Asset Writedown	-0.59	-0.59	-0.88	-0.22	-0.07	0.12
Other Unusual Items	-	-	-0.74	-	-	-
Pretax Income	21.24	14.61	8.18	17.31	39.97	46.74
Income Tax Expense	2.34	1.02	0.01	1.92	10	12.66
Earnings From Continuing Operations	18.9	13.59	8.17	15.39	29.97	34.08
Minority Interest in Earnings	-	-	-	-	-0.4	-0.73
Net Income	18.9	13.59	8.17	15.39	29.57	33.35
Net Income to Common	18.9	13.59	8.17	15.39	29.57	33.35
Net Income Growth	203.76%	66.32%	-46.89%	-47.96%	-11.35%	106.18%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change (YoY)	0.61%	-0.34%	-3.67%	-0.44%	0.64%	0.16%
EPS (Basic)	2.76	1.99	1.19	2.18	4.16	4.72
EPS (Diluted)	2.74	1.98	1.19	2.15	4.12	4.68
EPS Growth	201.94%	66.39%	-44.65%	-47.82%	-11.97%	106.17%
Dividend Per Share	0.600	0.590	0.550	0.510	0.360	0.220
Dividend Growth	7.14%	7.27%	7.84%	41.67%	63.64%	4.76%
Effective Tax Rate	11.03%	6.97%	0.12%	11.11%	25.01%	27.09%

Source: S&P Capital IQ. Banks template. Financial Sources.