Call reports 2019
SMARTBANK — 2019
What SMARTBANK 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 | 2,353,847,000 | 2,391,404,000 | 2,392,821,000 | 2,449,029,000 |
| Total loans | 1,840,508,000 | 1,836,899,000 | 1,867,923,000 | 1,903,248,000 |
| Allowance for loan losses | 8,704,000 | 9,097,000 | 9,792,000 | 10,243,000 |
| Securities available for sale | 198,273,000 | 174,114,000 | 171,507,000 | 178,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,008,681,000 | 2,030,719,000 | 2,018,666,000 | 2,061,528,000 |
| Interest-bearing deposits | 1,665,236,000 | 1,655,084,000 | 1,631,859,000 | 1,685,284,000 |
| Noninterest-bearing deposits | 343,445,000 | 375,635,000 | 386,807,000 | 376,244,000 |
| Equity capital | 316,861,000 | 322,276,000 | 329,470,000 | 337,503,000 |
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 | 26,530,000 | 54,234,000 | 81,590,000 | 108,690,000 |
| Interest expense | 5,362,000 | 11,261,000 | 16,892,000 | 22,234,000 |
| Net interest income | 21,168,000 | 42,973,000 | 64,698,000 | 86,456,000 |
| Noninterest income | 2,071,000 | 3,675,000 | 5,897,000 | 8,619,000 |
| Noninterest expense | 14,583,000 | 30,501,000 | 44,733,000 | 60,369,000 |
| Provision for loan losses | 797,000 | 1,191,000 | 1,914,000 | 2,599,000 |
| Pretax income | 7,859,000 | 14,990,000 | 23,982,000 | 32,141,000 |
| Income tax | 1,894,000 | 3,605,000 | 5,832,000 | 6,508,000 |
| Net income | 5,965,000 | 11,385,000 | 18,150,000 | 25,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 241,873,000 | 247,768,000 | 255,340,000 | 263,189,000 |
| Total capital | 250,577,000 | 256,865,000 | 265,132,000 | 273,432,000 |
| Risk-weighted assets | 1,985,176,000 | 2,002,940,000 | 2,009,630,000 | 2,053,816,000 |