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	Sep 30, 2024	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Interest Income on Loans	121.99	121.99	89.8	62.11	58.11	50.17
Interest Income on Investments	-	-	13.43	9.09	7.15	7.53
Total Interest Income	121.99	121.99	103.23	71.19	65.26	57.7
Interest Paid on Deposits	63.93	63.93	27.67	4.9	3.2	5.66
Interest Paid on Borrowings	-	-	13.98	5.64	4.89	4.88
Total Interest Expense	63.93	63.93	41.66	10.54	8.09	10.54
Net Interest Income	58.06	58.06	61.57	60.65	57.17	47.16
Net Interest Income Growth (YoY)	-5.70%	-5.70%	1.52%	6.09%	21.23%	17.64%
Mortgage Banking Activities	0.2	0.2	14.33	38.34	104.5	120.73
Gain (Loss) on Sale of Assets	0.12	0.12	0.05	-	0.08	-0.01
Gain (Loss) on Sale of Investments	0.49	0.49	-0.52	1.2	0.08	0.41
Other Non-Interest Income	6.76	6.76	6.97	6.35	5.63	4.84
Total Non-Interest Income	12.53	12.53	25.56	51.44	120.5	133.24
Non-Interest Income Growth (YoY)	-50.99%	-50.99%	-50.31%	-57.31%	-9.56%	203.03%
Revenues Before Loan Losses	70.59	70.59	87.14	112.1	177.67	180.4
Provision for Loan Losses	3.09	3.09	2.61	1.91	-1.77	7.96
Revenue	67.5	67.5	84.53	110.19	179.44	172.43
Revenue Growth (YoY)	-20.14%	-20.14%	-23.29%	-38.59%	4.06%	108.78%
Salaries and Employee Benefits	31.99	31.99	43.24	60.52	102.67	92.63
Occupancy Expenses	6.95	6.95	7.11	7.05	7.87	7.02
Federal Deposit Insurance	-	-	1.68	0.53	0.45	0.41
Selling, General & Administrative	1.21	1.21	9.98	14.29	17.02	15.32
Other Non-Interest Expense	12.75	12.75	12.71	10.17	11.47	10.44
Total Non-Interest Expense	52.89	52.89	74.72	92.66	139.41	125.81
EBT Excluding Unusual Items	14.61	14.61	9.8	17.53	40.03	46.63
Asset Writedown	-	-	-0.88	-0.22	-0.07	0.12
Other Unusual Items	-	-	-0.74	-	-	-
Pretax Income	14.61	14.61	8.18	17.31	39.97	46.74
Income Tax Expense	1.02	1.02	0.01	1.92	10	12.66
Earnings From Continuing Operations	13.59	13.59	8.17	15.39	29.97	34.08
Minority Interest in Earnings	-	-	-	-	-0.4	-0.73
Net Income	13.59	13.59	8.17	15.39	29.57	33.35
Net Income to Common	13.59	13.59	8.17	15.39	29.57	33.35
Net Income Growth	66.32%	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)	-0.34%	-0.34%	-3.67%	-0.44%	0.64%	0.16%
EPS (Basic)	1.99	1.99	1.19	2.18	4.16	4.72
EPS (Diluted)	1.98	1.98	1.19	2.15	4.12	4.68
EPS Growth	66.39%	66.39%	-44.65%	-47.82%	-11.97%	106.17%
Dividend Per Share	0.590	0.590	0.550	0.510	0.360	0.220
Dividend Growth	7.27%	7.27%	7.84%	41.67%	63.64%	4.76%
Effective Tax Rate	6.97%	6.97%	0.12%	11.11%	25.01%	27.09%

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