Call reports 2012
SMARTBANK — 2012
What SMARTBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 316,140,000 | 331,629,000 | 338,769,000 | 462,613,000 |
| Total loans | 232,690,000 | 239,677,000 | 247,058,000 | 309,899,000 |
| Allowance for loan losses | 3,637,000 | 3,915,000 | 3,455,000 | 3,690,000 |
| Securities available for sale | 43,131,000 | 36,105,000 | 33,832,000 | 54,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,123,000 | 276,564,000 | 290,253,000 | 404,009,000 |
| Interest-bearing deposits | 238,949,000 | 245,973,000 | 251,457,000 | 351,679,000 |
| Noninterest-bearing deposits | 27,174,000 | 30,591,000 | 38,796,000 | 52,330,000 |
| Equity capital | 45,182,000 | 45,622,000 | 46,072,000 | 51,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,458,000 | 6,849,000 | 10,420,000 | 14,674,000 |
| Interest expense | 613,000 | 1,158,000 | 1,711,000 | 2,526,000 |
| Net interest income | 2,845,000 | 5,691,000 | 8,709,000 | 12,148,000 |
| Noninterest income | 299,000 | 536,000 | 866,000 | 6,455,000 |
| Noninterest expense | 2,166,000 | 4,467,000 | 7,046,000 | 10,524,000 |
| Provision for loan losses | 160,000 | 449,000 | 634,000 | 871,000 |
| Pretax income | 818,000 | 1,666,000 | 2,250,000 | 7,580,000 |
| Income tax | 320,000 | 647,000 | 877,000 | 991,000 |
| Net income | 498,000 | 1,019,000 | 1,373,000 | 6,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,600,000 | 45,129,000 | 45,493,000 | 50,098,000 |
| Total capital | 47,634,000 | 48,172,000 | 48,708,000 | 53,788,000 |
| Risk-weighted assets | 242,663,000 | 248,248,000 | 256,985,000 | 315,164,000 |