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  Title	First US Bancshares, Inc. Reports Fourth Quarter and Full-Year 2024 Earnings
  ID	6243550
  External ID	7502326431
  Author	Unknown
  Published Date	Jan. 27, 2025, 3:19 p.m.
  Summary	BIRMINGHAM, Ala. Jan. 27, 2025 /PRNewswire/ -- Fourth Quarter and Full-Year Highlights: Period Net Income Diluted Earnings per share Return on average assets (annualized) Return on average com
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  Content	BIRMINGHAM, Ala. Jan. 27, 2025 /PRNewswire/ -- Fourth Quarter and Full-Year Highlights: Period Net Income Diluted Earnings per share Return on average assets (annualized) Return on average common equity (annualized) Return on average tangible common equity (annualized) 4Q2024 $1.7 million Full-Year 2024 $8.2 million First US Bancshares, Inc. (Nasdaq: FUSB ) (the "Company"), the parent company of First US Bank (the "Bank"), today reported net income of $1.7 million , or per diluted share, for the quarter ended December 31, 2024 ("4Q2024"), compared to $2.2 million , or per diluted share, for the quarter ended September 30, 2024 ("3Q2024") and $2.3 million , or per diluted share, for the quarter ended December 31, 2023 ("4Q2023"). For the year ended December 31, 2024 , net income totaled $8.2 million , or per diluted share, compared to $8.5 million , or per diluted share, for the year ended December 31, 2023 The table below summarizes selected financial data for each of the periods presented. Quarter Ended Year Ended December September June March December December December Results of Operations: (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) (Unaudited) Interest income Interest expense Net interest income Provision for (recovery of) credit losses Net interest income after provision for (recovery of) credit losses Non-interest income Non-interest expense Income before income taxes Provision for income taxes Net income Per Share Data: Basic net income per share Diluted net income per share Dividends declared Key Measures (Period End): Total assets Tangible assets Total loans Allowance for credit losses ("ACL") on loans and leases Investment securities, net Total deposits Short-term borrowings Long-term borrowings Total shareholders' equity Tangible common equity Book value per common share Tangible book value per common share Key Ratios: Return on average assets (annualized) Return on average common equity (annualized) Return on average tangible common equity (annualized) Net interest margin Efficiency ratio Total loans to deposits Total loans to assets Common equity to total assets Tangible common equity to tangible assets Tier 1 leverage ratio ACL on loans and leases as % of total loans Nonperforming assets as % of total assets Net charge-offs as a percentage of average loans Refer to Non-GAAP reconciliation of tangible balances and measures beginning on page 9. Efficiency ratio = non-interest expense / (net interest income + non-interest income) First US Bank Tier 1 leverage ratio CEO Commentary "While 2024 was a challenging year from a loan growth standpoint, we were able to maintain diluted earnings per share at a level consistent with the previous year," stated James F. House , President and CEO of the Company. "In the fourth quarter, we saw an uptick in loan growth throughout our lending platforms, and we continued to enhance yield on our investment portfolio through opportunistic purchases. As we start 2025, our team continues to focus on opportunities to grow earning assets and reduce funding costs in a manner consistent with the changing interest rate environment," continued Mr. House. Financial Results Loans and Leases - The table below summarizes loan balances by portfolio category as of the end of each of the most recent five quarters. Quarter Ended December September June March December (Dollars in Thousands) (Unaudited) (Unaudited) (Unaudited) (Unaudited) Real estate loans: Construction, land development and other land loans Secured by 1-4 family residential properties Secured by multi-family residential properties Secured by non-farm, non-residential properties Commercial and industrial loans Consumer loans: Direct Branch retail Indirect Total loans and leases held for investment Allowance for credit losses on loans and leases Net loans and leases held for investment Total loan volume increased by $19.7 million , or 2.5%, in 4Q2024, driven primarily by growth in construction, consumer indirect, and commercial real estate (secured by non-farm, non-residential property) lending. For the year ended December 31, 2024 , total loans increased by $1.2 million , or 0.2%. Total loan volume averaged $818.5 million during the year ended December 31, 2024 , compared to $795.4 million during the year ended December 31 Net Interest Income and Margin - Net interest income decreased by $0.4 million comparing 4Q2024 to both 3Q2024 and 4Q2023. Net interest margin totaled 3.41% for 4Q2024, compared to 3.60% for 3Q2024 and 3.67% for 4Q2023. The decrease in net interest income and margin in 4Q2024 compared to 3Q2024 was primarily driven by reductions in the federal funds rate and market interest rates. From September 2024 through December 2024 , the federal funds rate was reduced by 100 basis points and similar reductions occurred on certain market interest rates that are used to price the Company's variable rate loans. Amid these interest rate reductions, the Company's earning assets repriced more quickly than its interest-bearing liabilities. Comparing 4Q2024 to 4Q2023, net interest income and margin decreased primarily due to the higher cost of interest-bearing liabilities in 2024 relative to 2023. While total funding costs decreased by seven basis points during 4Q2024, compared to 3Q2024, they remained 30 basis points higher than 4Q2023. For the year ended December 31, 2024 , net interest income totaled $36.1 million , compared to $37.4 million for the year ended December 31 , 2023. Net interest margin totaled 3.59% for the year ended December 31, 2024 , compared to 3.87% for the year ended December 31, 2023 Deposits - Total deposits decreased by $8.6 million , or 0.9%, during 4Q2024, primarily due to the payoff of $10.0 million in callable wholesale brokered time deposits during the quarter. The brokered time deposits were paid off in an effort to reduce the Company's interest expense over time, while increasing reliance on core deposits. Core deposits, which exclude time deposits of $250 thousand or more and all wholesale brokered deposits, totaled $837.7 million , or 86.1% of total deposits, as of December 31, 2024 , compared to $833.5 million , or 85.0% of total deposits, as of September 30, 2024 , and $819.5 million , or 86.2% of total deposits, as of December 31 Deployment of Funds - As of December 31, 2024 , the Company held cash, federal funds sold and securities purchased under reverse repurchase agreements totaling $52.9 million , or 4.8% of total assets, compared to $59.8 million , or 5.6% of total assets, as of December 31, 2023 . Investment securities, including both the available-for-sale and held-to-maturity portfolios, totaled $168.6 million as of December 31, 2024 , compared to $136.7 million as of December 31, 2023. During the year ended December 31, 2024 , the Company invested $58.0 million in taxable U.S. agency-sponsored bonds, resulting in improved yields in the investment portfolio. Of this amount, $30.5 million was purchased in 4Q2024. As of December 31, 2024 , the expected average life of securities in the investment portfolio was 3.6 years, compared to 3.9 years as of December 31, 2023. Provision for Credit Losses - During 4Q2024, the Company recorded a provision for credit losses of $0.5 million , compared to a provision for credit losses of $0.2 million in 3Q2024 and a recovery of credit losses of $0.4 million during 4Q2023. The provision for credit losses taken in 4Q2024 resulted primarily from loan growth during the quarter, as well as an increase in the allowance for credit losses ("ACL") on individually evaluated loans and adjustments in economic forecasts that impact the calculation of the ACL on loans and leases. For the year ended December 31, 2024 , the provision for credit losses totaled $0.6 million , compared to $0.3 million for the year ended December 31, 2023 . As of December 31, 2024 , the Company's ACL on loans and leases as a percentage of total loans was 1.24%, compared to 1.28% as of December 31 Asset Quality - Nonperforming assets, including loans in non-accrual status and other real estate owned ("OREO"), totaled $5.4 million as of December 31, 2024 , compared to $3.0 million as of December 31, 2023 . The increase in nonperforming assets during 2024 resulted primarily from one loan that was foreclosed and moved into OREO and another loan that moved into non-accrual status during 2024. As a percentage of total assets, nonperforming assets totaled 0.50% as of December 31, 2024 , compared to 0.28% as of December 31, 2023 . Net charge-offs as a percentage of average loans totaled 0.14% during both the years ended December 31, 2024 and 2023. Non-interest Income - Non-interest income totaled $1.0 million in 4Q2024, compared to $0.9 million in both 3Q2024 and 4Q2023. For the year ended December 31, 2024 , non-interest income totaled $3.6 million , compared to $3.4 million for the year ended December 31, 2023 Non-interest Expense - Non-interest expense totaled $6.9 million in 4Q2024, compared to $7.0 million in 3Q2024, and $7.4 million in 4Q2023. For the year ended December 31, 2024 , non-interest expense totaled $28.4 million , compared to $29.1 million for the year ended December 31, 2023 . The expense reduction comparing both 4Q2024 and full-year 2024 to the corresponding periods of 2023 resulted primarily from decreases in salaries and benefits and other expense categories. Salaries and benefits expense decreased during 2024 primarily due to lower staff levels resulting from strategic initiatives implemented by the Company in prior years. In addition, other expenses were lower during 2024 compared to 2023, primarily due to the recovery of check fraud losses and reduced collection expenses. The reductions in non-interest expense during the year ended December 31, 2024 were partially offset by increased occupancy and equipment expenses. Shareholders' Equity - As of December 31, 2024, shareholders' equity totaled $98.6 million , or 8.96% of total assets, compared to $90.6 million , or 8.44% of total assets, as of December 31, 2023. The increase in shareholders' equity during the year ended December 31, 2024 resulted primarily from earnings, net of dividends paid and repurchases of shares of the Company's common stock. In addition, shareholders' equity was positively impacted during 2024 by reductions in the Company's accumulated other comprehensive loss resulting from changes in market interest rates, as well as the maturity of lower yielding investment securities. The Company's ratio of tangible common equity to tangible assets was 8.33% as of December 31, 2024 , compared to 7.79% as of December 31, 2023. Cash Dividend - The Company increased its cash dividend to per share on its common stock in 4Q2024, compared to per share during each previous quarter of 2024 and 2023. For the year ended December 31, 2024 , cash dividends totaled per share, compared to per share for the year ended December 31, 2023 Share Repurchases - During 4Q2024, the Company completed the repurchase of 40,000 shares of its common stock at a weighted average price of per share. The repurchases were completed under the Company's previously announced share repurchase program which was expanded in 4Q2024 to authorize the purchase of 600,000 additional shares. For the year ended December 31, 2024 , the Company repurchased a total of 146,500 shares at a weighted average price of per share. As of December 31, 2024 , 912,813 shares remained available for repurchase under the program. Regulatory Capital - During 4Q2024, 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 December 31, 2024, the Bank's common equity Tier 1 capital and Tier 1 risk-based capital ratios were each 11.31%, its total capital ratio was 12.47%, and its Tier 1 leverage ratio was 9.50%. Liquidity - As of December 31, 2024, the Company continued to maintain 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 with other banking institutions, Federal Home Loan Bank (FHLB) advances, the discount window of the Federal Reserve Bank (FRB), and brokered deposits. Banking Center Growth - As part of the Company's overall growth strategy, during the year ended December 31, 2024 , the Company opened a new banking center in the Bearden area of Knoxville, Tennessee that replaced the Bank's previously existing Knoxville -Bearden location. In addition, the Company commenced renovation of a banking center office in Daphne, Alabama that was purchased from another financial institution. This location is expected to serve as the Bank's initial deposit gathering facility in the Daphne Mobile area, and it is anticipated that the location will open to the public in 2025. 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"). 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 risk related to the Company's credit, including that if loan losses are greater than anticipated; the increased lending risks associated with commercial real estate lending; liquidity risks; the impact of national and local market conditions on the Company's business and operations; the rate of growth (or lack thereof) in the economy generally and in the Company's service areas; 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 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 impact of changing accounting standards and tax laws on the Company's allowance for credit losses and financial results; 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. FIRST US BANCSHARES, INC. AND SUBSIDIARIES NET INTEREST MARGIN THREE MONTHS ENDED DECEMBER 31, 2024 AND 2023 (Dollars in Thousands) (Unaudited) Three Months Ended Three Months Ended December 31, 2024 December 31, 2023 Average Balance Interest Annualized Yield/ Rate % Average Balance Interest Annualized Yield/ Rate % ASSETS Interest-earning assets: Total loans Taxable investment securities Tax-exempt investment securities Federal Home Loan Bank stock Federal funds sold and securities purchased under reverse repurchase agreements Interest-bearing deposits in banks Total interest-earning assets Noninterest-earning assets Total LIABILITIES AND SHAREHOLDERS' EQUITY Interest-bearing deposits: Demand deposits Savings deposits Time deposits Total interest-bearing deposits Noninterest-bearing demand deposits Total deposits Borrowings Total funding costs Other noninterest-bearing liabilities Shareholders' equity Total Net interest income Net interest margin FIRST US BANCSHARES, INC. AND SUBSIDIARIES NET INTEREST MARGIN YEAR ENDED DECEMBER 31, 2024 AND 2023 (Dollars in Thousands) (Unaudited) Year Ended Year Ended December 31, 2024 December 31, 2023 Average Balance Interest Annualized Yield/ Rate % Average Balance Interest Annualized Yield/ Rate % ASSETS Interest-earning assets: Total loans Taxable investment securities Tax-exempt investment securities Federal Home Loan Bank stock Federal funds sold and securities purchased under reverse repurchase agreements Interest-bearing deposits in banks Total interest-earning assets Noninterest-earning assets Total LIABILITIES AND SHAREHOLDERS' EQUITY Interest-bearing deposits: Demand deposits Savings deposits Time deposits Total interest-bearing deposits Noninterest-bearing demand deposits Total deposits Borrowings Total funding costs Other noninterest-bearing liabilities Shareholders' equity Total Net interest income Net interest margin FIRST US BANCSHARES, INC. AND SUBSIDIARIES CONDENSED CONSOLIDATED BALANCE SHEETS (Dollars in Thousands, Except Per Share Data) December 31, December 31, (Unaudited) ASSETS Cash and due from banks Interest-bearing deposits in banks Total cash and cash equivalents Federal funds sold and securities purchased under reverse repurchase agreements Investment securities available-for-sale, at fair value Investment securities held-to-maturity, at amortized cost Federal Home Loan Bank stock, at cost Loans and leases held for investment Less allowance for credit losses on loans and leases Net loans and leases held for investment Premises and equipment, net of accumulated depreciation Cash surrender value of bank-owned life insurance Accrued interest receivable Goodwill and core deposit intangible, net Other real estate owned Other assets Total assets LIABILITIES AND SHAREHOLDERS' EQUITY Deposits: Non-interest-bearing Interest-bearing Total deposits Accrued interest expense Other liabilities Short-term borrowings Long-term borrowings Total liabilities Shareholders' equity: Common stock, par value $0.01 per share, 10,000,000 shares authorized; 7,840,348 and 7,738,201 shares issued, respectively; 5,696,171 and 5,735,075 shares outstanding, respectively Additional paid-in capital Accumulated other comprehensive loss, net of tax Retained earnings Less treasury stock: 2,144,177 and 2,003,126 shares at cost, respectively Total shareholders' equity Total liabilities and shareholders' equity FIRST US BANCSHARES, INC. AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Dollars in Thousands, Except Per Share Data) Three Months Ended Year Ended December 31, December 31, (Unaudited) (Unaudited) (Unaudited) Interest income: Interest and fees on loans Interest on investment securities Interest on deposits in banks Other Total interest income Interest expense: Interest on deposits Interest on borrowings Total interest expense Net interest income Provision for (recovery of) credit losses Net interest income after provision for (recovery of) credit losses Non-interest income: Service and other charges on deposit accounts Lease income Other income, net Total non-interest income Non-interest expense: Salaries and employee benefits Net occupancy and equipment Computer services Insurance expense and assessments Fees for professional services Other expense Total non-interest expense Income before income taxes Provision for income taxes Net income Basic net income per share Diluted net income per share Dividends per share 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 in isolation or as a substitute for the most directly comparable or other financial measures calculated in accordance with GAAP. 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 liquidity, 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 consolidated financial statements previously presented in this press release. Liquidity Measures The table below provides information combining the Company's on-balance sheet liquidity with readily available off-balance sheet sources of liquidity as of both December 31, 2024 and December 31, 2023 December 31, December 31, (Dollars in Thousands) (Unaudited) (Unaudited) Liquidity from cash, federal funds sold and securities purchased under reverse repurchase agreements: Cash and cash equivalents Federal funds sold and securities purchased under reverse repurchase agreements Total liquidity from cash, federal funds sold and securities purchased under reverse repurchase agreements Liquidity from pledgable investment securities: Investment securities available-for sale, at fair value Investment securities held-to-maturity, at amortized cost Less: securities pledged Less: estimated collateral value discounts Total liquidity from pledgable investment securities Liquidity from unused lendable collateral (loans) at FHLB Liquidity from unused lendable collateral (loans and securities) at FRB Unsecured lines of credit with banks Total readily available liquidity The table above calculates readily available liquidity by combining cash and cash equivalents, federal funds sold, securities purchased under reverse repurchase agreements and unencumbered investment security values on the Company's consolidated balance sheet with off-balance sheet liquidity that is readily available through unused collateral pledged to the FHLB and FRB, as well as unsecured lines of credit with other banks. Liquidity from pledgable investment securities and total readily available liquidity are non-GAAP measures used by management and regulators to analyze a portion of the Company's liquidity. Management uses these measures to evaluate the Company's liquidity position. Pledgable investment securities are considered by management as a readily available source of liquidity since the Company has the ability to pledge the securities with the FHLB or FRB to obtain immediate funding. Both available-for-sale and held-to-maturity securities may be pledged at fair value with the FHLB and through the FRB discount window. The amounts shown as liquidity from pledgable investment securities represent total investment securities as recorded on the consolidated balance sheet, less reductions for securities already pledged and discounts expected to be taken by the lender to determine collateral value. The unused lendable collateral value at the FHLB presented in the table represents only the amount immediately available to the Company from loans already pledged by the Company to the FHLB as of each consolidated balance sheet date presented. As of December 31, 2024 and December 31, 2023 , the Company's total remaining credit availability with the FHLB was $319.9 million and $279.4 million , respectively, subject to the pledging of additional collateral which may include eligible investment securities and loans. In addition, the Company has access to additional sources of liquidity that generally could be obtained over a period of time, including access to unsecured brokered deposits through the wholesale funding markets. Management believes the Company's on-balance sheet and other readily available liquidity provide strong indicators of the Company's ability to fund obligations in a stressed liquidity environment. Excluding wholesale brokered deposits, as of December 31, 2024, the Company had approximately 29 thousand deposit accounts with an average balance of approximately $31.0 thousand per account. Estimated uninsured deposits (calculated as deposit amounts per deposit holder in excess of $250 thousand , the maximum amount of federal deposit insurance, and excluding deposits secured by pledged assets) totaled $216.8 million , or 22.2% of total deposits, as of December 31, 2024. As of December 31, 2023 , estimated uninsured deposits totaled $200.3 million , or 21.1% of total deposits. 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. Quarter Ended Year Ended December September June March December December December (Dollars in Thousands, Except Per Share Data) (Unaudited Reconciliation) TANGIBLE BALANCES Total assets Less: Goodwill Less: Core deposit intangible Tangible assets (a) Total shareholders' equity Less: Goodwill Less: Core deposit intangible Tangible common equity (b) Average shareholders' equity Less: Average goodwill Less: Average core deposit intangible Average tangible shareholders' equity (c) Net income (d) Common shares outstanding (in thousands) (e) TANGIBLE MEASURES Tangible book value per common share (b)/(e) Tangible common equity to tangible assets (b)/(a) Return on average tangible common equity (annualized) 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) Contact: Thomas S. Elley View original content: https://www.prnewswire.com/news-releases/first-us-bancshares-inc-reports-fourth-quarter-and-full-year-2024-earnings-302360894.html SOURCE First US Bancshares, Inc. back
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