Call reports 2009
SMARTBANK — 2009
What SMARTBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 246,808,000 | 256,334,000 | 268,987,000 | 281,447,000 |
| Total loans | 196,723,000 | 205,312,000 | 208,575,000 | 211,900,000 |
| Allowance for loan losses | 2,459,000 | 2,566,000 | 2,607,000 | 2,745,000 |
| Securities available for sale | 32,093,000 | 32,912,000 | 36,242,000 | 30,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,873,000 | 218,265,000 | 230,147,000 | 240,390,000 |
| Interest-bearing deposits | 201,059,000 | 207,104,000 | 216,616,000 | 224,031,000 |
| Noninterest-bearing deposits | 8,814,000 | 11,161,000 | 13,531,000 | 16,359,000 |
| Equity capital | 26,986,000 | 26,580,000 | 27,349,000 | 28,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,947,000 | 6,016,000 | 9,226,000 | 12,439,000 |
| Interest expense | 1,355,000 | 2,699,000 | 4,111,000 | 5,439,000 |
| Net interest income | 1,592,000 | 3,317,000 | 5,115,000 | 7,000,000 |
| Noninterest income | 145,000 | 359,000 | 548,000 | 743,000 |
| Noninterest expense | 1,462,000 | 3,278,000 | 4,993,000 | 6,899,000 |
| Provision for loan losses | 150,000 | 270,000 | 317,000 | 503,000 |
| Pretax income | 125,000 | 465,000 | 690,000 | 875,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 125,000 | -5,000 | 220,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,426,000 | 26,566,000 | 26,874,000 | 28,034,000 |
| Total capital | 28,885,000 | 29,132,000 | 29,481,000 | 30,754,000 |
| Risk-weighted assets | 203,741,000 | 212,559,000 | 214,693,000 | 217,770,000 |