Call reports 2011
SMARTBIZ BANK, N.A. — 2011
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 104,528,000 | 98,455,000 | 93,235,000 | 95,457,000 |
| Total loans | 76,129,000 | 68,501,000 | 69,211,000 | 63,289,000 |
| Allowance for loan losses | 5,044,000 | 2,051,000 | 4,658,000 | 5,248,000 |
| Securities available for sale | 7,405,000 | 11,654,000 | 11,336,000 | 13,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,929,000 | 86,946,000 | 86,266,000 | 89,739,000 |
| Interest-bearing deposits | 85,208,000 | 81,828,000 | 80,016,000 | 83,508,000 |
| Noninterest-bearing deposits | 12,721,000 | 5,118,000 | 6,250,000 | 6,231,000 |
| Equity capital | 5,500,000 | 9,921,000 | 5,801,000 | 3,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,521,000 | 2,224,000 | 2,993,000 |
| Interest expense | 321,000 | 620,000 | 843,000 | 1,145,000 |
| Net interest income | 503,000 | 901,000 | 1,381,000 | 1,848,000 |
| Noninterest income | 47,000 | 49,000 | 65,000 | -2,000 |
| Noninterest expense | 1,384,000 | 4,304,000 | 5,210,000 | 6,915,000 |
| Provision for loan losses | 185,000 | 2,751,000 | 6,462,000 | 7,510,000 |
| Pretax income | -1,019,000 | -6,105,000 | -10,226,000 | -12,579,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,019,000 | -6,105,000 | -10,226,000 | -12,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,513,000 | 9,927,000 | 5,805,000 | 3,452,000 |
| Total capital | 6,612,000 | 10,934,000 | 6,796,000 | 4,407,000 |
| Risk-weighted assets | 83,943,000 | 79,492,000 | 75,636,000 | 72,143,000 |