Unassociated Document
UNITED
STATES
SECURITIES
AND EXCHANGE COMMISSION
Washington,
D.C. 20549
FORM
12b-25
NOTIFICATION
OF LATE FILING
SEC FILE
NUMBER 1-34155
CUSIP
NUMBER 33621E 109
(Check
One): x
Form 10-K ¨ Form
20-F ¨ Form
11-K ¨ Form
10-Q ¨ Form
10-D ¨ Form
N-SAR ¨ Form
N-CSR
For
Period Ended: September
30, 2009
¨ Transition
Report on Form 10-K
¨ Transition
Report on Form 20-F
¨ Transition
Report on Form 11-K
¨ Transition
Report on Form 10-Q
¨ Transition
report on Form N-SAR
For the
Transition Period
Ended:___________________________________________________________________________________________
Nothing in this form shall be construed
to imply that the Commission has verified any information contained
herein.
If the notification relates to a
portion of the filing checked above, identify the Item(s) to which the
notification relates:____________________
PART
I - REGISTRANT INFORMATION
First Savings Financial Group,
Inc.
Full Name
of Registrant
Former
Name if Applicable
501 East Lewis & Clark
Parkway
Address
of Principal Executive Office (Street and
Number):
Clarksville, Indiana
47129
City,
State and Zip Code
PART
II - RULES 12b-25(b) AND (c)
If the subject report could not be
filed without unreasonable effort or expense and the registrant seeks relief
pursuant to Rule 12b-25(b), the following should be completed. (Check
box if appropriate). x
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(a)
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The
reasons described in reasonable detail in Part III of this form could not
be eliminated without unreasonable effort or
expense;
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(b)
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The
subject annual report, semi-annual report, transition report on Form 10-K,
Form 20-F, Form 11-K, Form N-SAR or Form N-CSR, or portion thereof, will
be filed on or before the fifteenth calendar day following the prescribed
due date; or the subject quarterly report or transition report on Form
10-Q or subject distribution report on Form 10-D, or portion thereof, will
be filed on or before the fifth calendar day following the prescribed due
date; and
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(c)
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The
accountant's statement or other exhibit required by Rule 12b-25(c) has
been attached if applicable.
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State below in reasonable detail why
the Form 10-K, 20-F, 11-K, 10-Q, 10-D, N-SAR, N-CSR, or the transition report or
portion thereof, could not be filed within the prescribed time
period.
Effective
September 30, 2009, First Savings Bank, F.S.B., the wholly-owned subsidiary of
the Registrant, completed its acquisition of Community First Bank, Corydon,
Indiana. As a result of the timing of the acquisition, the Registrant
experienced delays that prevented it from compiling the combined financial
information of both institutions and preparing the required information in time
to file the report by the required deadline.
PART
IV -- OTHER INFORMATION
(1) Name
and telephone number of person to contact in regard to this
notification
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Larry W. Myers
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(812)
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283-0724
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(Name)
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(Area
Code)
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(Telephone
Number)
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(2) Have
all other periodic reports required under Section 13 or 15(d) of the Securities
Exchange Act of 1934 or Section 30 of the Investment Company Act of 1940 during
the preceding 12 months or for such shorter period that the registrant was
required to file such report(s) been filed? If answer is no, identify
report(s). x
Yes ¨ No
(3) Is
it anticipated that any significant change in results of operations from the
corresponding period for the last fiscal year will be reflected by the earnings
statements to be included in the subject report or portion
thereof? x
Yes ¨ No
If so: attach an explanation
of the anticipated change, both narratively and quantitatively, and, if
appropriate, state the reasons why a reasonable estimate of the results cannot
be made.
The
Registrant expects to report net income of approximately $33,000 for the year
ended September 30, 2009 compared to net loss of $190,000 for the prior
year. The change, when comparing the two years ended, is primarily
the result of increases in net interest of income after provision for loan
losses and noninterest income of $2.7 million and $209,000, respectively, offset
by an increase in noninterest expenses of $2.7 million. The primary
factors for the $2.7 million increase in net interest income after provision for
loan losses, when comparing the two years ended, were an increase in interest
income of $485,000 and decreases in interest expense and provision for loan
losses of $1.5 million and $721,000, respectively. The primary
factors for the $2.7 million increase in noninterest expenses, when comparing
the two years ended, were increases in compensation and benefits, professional
fees, FDIC insurance premiums, charitable contributions and other operating
expenses of $683,000, $304,000, $255,000, $1.2 million and $392,000,
respectively.
First Savings Financial
Group, Inc.
(Name of
Registrant as Specified in Charter)
has
caused this notification to be signed on its behalf by the undersigned thereunto
duly authorized.
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Date:December
28, 2009
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By:
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/s/
Larry W. Myers
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Larry
W. Myers
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President
and Chief Executive Officer
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