Call reports 2019
SMARTBIZ BANK, N.A. — 2019
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 129,669,000 | 129,826,000 | 125,844,000 | 130,498,000 |
| Total loans | 95,695,000 | 98,333,000 | 96,005,000 | 95,589,000 |
| Allowance for loan losses | 1,506,000 | 1,596,000 | 1,716,000 | 1,721,000 |
| Securities available for sale | 12,661,000 | 13,348,000 | 12,817,000 | 14,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,701,000 | 112,085,000 | 108,099,000 | 110,211,000 |
| Interest-bearing deposits | 100,391,000 | 101,006,000 | 96,732,000 | 98,381,000 |
| Noninterest-bearing deposits | 12,310,000 | 11,079,000 | 11,367,000 | 11,830,000 |
| Equity capital | 11,329,000 | 11,991,000 | 12,223,000 | 16,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,501,000 | 5,213,000 | 6,893,000 |
| Interest expense | 491,000 | 1,043,000 | 1,607,000 | 2,150,000 |
| Net interest income | 1,225,000 | 2,458,000 | 3,606,000 | 4,743,000 |
| Noninterest income | 545,000 | 1,205,000 | 1,625,000 | 1,929,000 |
| Noninterest expense | 1,278,000 | 2,463,000 | 3,689,000 | 4,914,000 |
| Provision for loan losses | 312,000 | 402,000 | 562,000 | 567,000 |
| Pretax income | 180,000 | 798,000 | 980,000 | 1,191,000 |
| Income tax | 0 | 0 | 0 | -4,547,000 |
| Net income | 180,000 | 798,000 | 980,000 | 5,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,339,000 | 11,957,000 | 12,140,000 | 12,350,000 |
| Total capital | 12,645,000 | 13,269,000 | 13,445,000 | 13,654,000 |
| Risk-weighted assets | 104,211,000 | 104,641,000 | 103,994,000 | 103,862,000 |