Call reports 2009
SMARTBIZ BANK, N.A. — 2009
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 138,209,000 | 131,759,000 | 124,462,000 | 119,819,000 |
| Total loans | 110,245,000 | 104,487,000 | 97,296,000 | 94,448,000 |
| Allowance for loan losses | 2,488,000 | 3,378,000 | 4,120,000 | 3,820,000 |
| Securities available for sale | 5,038,000 | 4,034,000 | 7,295,000 | 13,470,000 |
| Securities held to maturity | 3,010,000 | 3,007,000 | 3,003,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,127,000 | 113,956,000 | 111,207,000 | 107,600,000 |
| Interest-bearing deposits | 96,178,000 | 109,537,000 | 105,054,000 | 99,903,000 |
| Noninterest-bearing deposits | 3,949,000 | 4,419,000 | 6,154,000 | 7,698,000 |
| Equity capital | 14,573,000 | 13,667,000 | 12,042,000 | 11,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,725,000 | 3,805,000 | 4,879,000 |
| Interest expense | 872,000 | 1,709,000 | 2,492,000 | 3,065,000 |
| Net interest income | 544,000 | 1,016,000 | 1,313,000 | 1,814,000 |
| Noninterest income | 69,000 | 194,000 | 330,000 | 325,000 |
| Noninterest expense | 842,000 | 1,677,000 | 2,574,000 | 3,636,000 |
| Provision for loan losses | 355,000 | 1,805,000 | 3,030,000 | 3,180,000 |
| Pretax income | -584,000 | -2,272,000 | -3,912,000 | -4,678,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -584,000 | -2,272,000 | -3,912,000 | -4,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,549,000 | 13,650,000 | 12,020,000 | 11,265,000 |
| Total capital | 16,018,000 | 15,046,000 | 13,367,000 | 12,566,000 |
| Risk-weighted assets | 116,507,000 | 109,683,000 | 104,961,000 | 101,521,000 |