Call reports 2013
SMARTBIZ BANK, N.A. — 2013
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,768,000 | 66,503,000 | 63,569,000 | 61,940,000 |
| Total loans | 38,565,000 | 33,142,000 | 36,991,000 | 36,477,000 |
| Allowance for loan losses | 2,352,000 | 1,777,000 | 1,615,000 | 1,095,000 |
| Securities available for sale | 11,034,000 | 11,592,000 | 10,752,000 | 10,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,384,000 | 58,432,000 | 56,079,000 | 54,795,000 |
| Interest-bearing deposits | 56,031,000 | 52,383,000 | 51,511,000 | 49,614,000 |
| Noninterest-bearing deposits | 5,353,000 | 6,050,000 | 4,568,000 | 5,181,000 |
| Equity capital | 7,203,000 | 6,934,000 | 6,491,000 | 5,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 491,000 | 944,000 | 1,387,000 | 1,821,000 |
| Interest expense | 103,000 | 194,000 | 273,000 | 349,000 |
| Net interest income | 388,000 | 750,000 | 1,114,000 | 1,472,000 |
| Noninterest income | -2,000 | 64,000 | 219,000 | 397,000 |
| Noninterest expense | 1,070,000 | 2,304,000 | 3,212,000 | 4,170,000 |
| Provision for loan losses | 0 | -550,000 | -510,000 | -450,000 |
| Pretax income | -684,000 | -940,000 | -1,369,000 | -1,851,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -684,000 | -940,000 | -1,369,000 | -1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,155,000 | 6,900,000 | 6,470,000 | 5,989,000 |
| Total capital | 7,826,000 | 7,527,000 | 7,080,000 | 6,574,000 |
| Risk-weighted assets | 51,970,000 | 49,032,000 | 47,721,000 | 46,328,000 |