Call reports 2015
SMARTBIZ BANK, N.A. — 2015
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,479,000 | 67,191,000 | 68,724,000 | 73,490,000 |
| Total loans | 45,527,000 | 45,577,000 | 46,644,000 | 52,806,000 |
| Allowance for loan losses | 634,000 | 640,000 | 794,000 | 685,000 |
| Securities available for sale | 7,576,000 | 7,096,000 | 6,591,000 | 6,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,421,000 | 60,149,000 | 61,777,000 | 66,555,000 |
| Interest-bearing deposits | 55,595,000 | 55,014,000 | 55,729,000 | 60,612,000 |
| Noninterest-bearing deposits | 4,826,000 | 5,135,000 | 6,048,000 | 5,942,000 |
| Equity capital | 6,097,000 | 5,944,000 | 6,026,000 | 5,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,152,000 | 1,741,000 | 2,376,000 |
| Interest expense | 87,000 | 177,000 | 269,000 | 374,000 |
| Net interest income | 489,000 | 975,000 | 1,472,000 | 2,002,000 |
| Noninterest income | 33,000 | 62,000 | 2,000 | 205,000 |
| Noninterest expense | 866,000 | 1,733,000 | 2,624,000 | 3,493,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 330,000 |
| Pretax income | -344,000 | -696,000 | -1,300,000 | -1,616,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -344,000 | -696,000 | -1,300,000 | -1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,096,000 | 5,944,000 | 6,015,000 | 5,699,000 |
| Total capital | 6,730,000 | 6,584,000 | 6,691,000 | 6,384,000 |
| Risk-weighted assets | 52,275,000 | 52,419,000 | 53,966,000 | 60,077,000 |