Call reports 2025
SMARTBIZ BANK, N.A. — 2025
What SMARTBIZ BANK, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 164,596,000 | 168,275,000 | 186,527,000 | 191,932,000 |
| Total loans | 106,150,000 | 114,903,000 | 133,082,000 | 137,560,000 |
| Allowance for loan losses | 1,536,000 | 1,816,000 | 2,161,000 | 2,222,000 |
| Securities available for sale | 18,070,000 | 5,706,000 | 4,122,000 | 4,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,078,000 | 126,107,000 | 145,912,000 | 144,460,000 |
| Interest-bearing deposits | 106,447,000 | 107,128,000 | 127,600,000 | 124,253,000 |
| Noninterest-bearing deposits | 18,631,000 | 18,979,000 | 18,312,000 | 20,207,000 |
| Equity capital | 34,455,000 | 30,714,000 | 30,104,000 | 27,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 460,000 | 3,142,000 | 5,882,000 | 8,953,000 |
| Interest expense | 211,000 | 1,236,000 | 2,286,000 | 3,438,000 |
| Net interest income | 249,000 | 1,906,000 | 3,596,000 | 5,515,000 |
| Noninterest income | 755,000 | 4,315,000 | 7,789,000 | 10,841,000 |
| Noninterest expense | 1,646,000 | 10,515,000 | 17,510,000 | 23,946,000 |
| Provision for loan losses | 934,000 | 1,214,000 | 1,559,000 | 2,359,000 |
| Pretax income | -1,578,000 | -5,666,000 | -7,827,000 | -10,092,000 |
| Income tax | 0 | 0 | 25,000 | 25,000 |
| Net income | -1,578,000 | -5,666,000 | -7,852,000 | -10,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,418,000 | 17,719,000 | 17,185,000 | 15,125,000 |
| Total capital | 22,967,000 | 19,331,000 | 19,035,000 | 16,930,000 |
| Risk-weighted assets | 123,894,000 | 128,687,000 | 147,636,000 | 143,944,000 |