Call reports 2015
SMARTBANK — 2015
What SMARTBANK 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 | 529,253,000 | 543,544,000 | 564,247,000 | 578,918,000 |
| Total loans | 371,454,000 | 390,774,000 | 397,437,000 | 407,821,000 |
| Allowance for loan losses | 3,913,000 | 3,833,000 | 3,822,000 | 3,803,000 |
| Securities available for sale | 92,296,000 | 83,747,000 | 81,044,000 | 97,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,045,000 | 483,200,000 | 503,898,000 | 510,427,000 |
| Interest-bearing deposits | 408,982,000 | 413,769,000 | 431,763,000 | 434,359,000 |
| Noninterest-bearing deposits | 58,063,000 | 69,431,000 | 72,135,000 | 76,068,000 |
| Equity capital | 56,468,000 | 56,104,000 | 56,246,000 | 56,197,000 |
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 | 4,947,000 | 10,015,000 | 15,329,000 | 20,477,000 |
| Interest expense | 507,000 | 1,010,000 | 1,610,000 | 2,255,000 |
| Net interest income | 4,440,000 | 9,005,000 | 13,719,000 | 18,222,000 |
| Noninterest income | 747,000 | 727,000 | 728,000 | 1,131,000 |
| Noninterest expense | 3,993,000 | 8,065,000 | 12,361,000 | 16,700,000 |
| Provision for loan losses | 284,000 | 324,000 | 356,000 | 358,000 |
| Pretax income | 910,000 | 1,395,000 | 1,782,000 | 2,347,000 |
| Income tax | 363,000 | 588,000 | 764,000 | 985,000 |
| Net income | 547,000 | 807,000 | 1,018,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,179,000 | 56,458,000 | 56,189,000 | 56,546,000 |
| Total capital | 60,092,000 | 60,291,000 | 60,011,000 | 60,349,000 |
| Risk-weighted assets | 411,487,000 | 435,154,000 | 446,893,000 | 465,095,000 |