Call reports 2021
SMARTBANK — 2021
What SMARTBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,552,564,000 | 3,645,830,000 | 4,382,487,000 | 4,606,198,000 |
| Total loans | 2,494,998,000 | 2,472,652,000 | 2,656,081,000 | 2,698,501,000 |
| Allowance for loan losses | 18,370,000 | 18,310,000 | 19,295,000 | 19,352,000 |
| Securities available for sale | 250,937,000 | 250,817,000 | 339,343,000 | 482,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 76,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,056,313,000 | 3,150,939,000 | 3,816,036,000 | 4,034,852,000 |
| Interest-bearing deposits | 2,270,245,000 | 2,331,912,000 | 2,827,027,000 | 2,966,813,000 |
| Noninterest-bearing deposits | 786,068,000 | 819,027,000 | 989,009,000 | 1,068,039,000 |
| Equity capital | 389,229,000 | 395,978,000 | 456,603,000 | 462,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 29,291,000 | 59,144,000 | 92,454,000 | 125,232,000 |
| Interest expense | 2,448,000 | 4,820,000 | 7,091,000 | 9,326,000 |
| Net interest income | 26,843,000 | 54,324,000 | 85,363,000 | 115,906,000 |
| Noninterest income | 5,539,000 | 10,663,000 | 16,920,000 | 23,742,000 |
| Noninterest expense | 19,068,000 | 39,535,000 | 62,529,000 | 90,123,000 |
| Provision for loan losses | 67,000 | 62,000 | 1,211,000 | 1,633,000 |
| Pretax income | 13,247,000 | 25,390,000 | 38,588,000 | 47,937,000 |
| Income tax | 2,863,000 | 4,673,000 | 8,200,000 | 10,416,000 |
| Net income | 10,384,000 | 20,717,000 | 30,388,000 | 37,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 304,918,000 | 305,703,000 | 352,445,000 | 358,703,000 |
| Total capital | 323,288,000 | 324,013,000 | 371,740,000 | 378,055,000 |
| Risk-weighted assets | 2,477,181,000 | 2,658,781,000 | 2,953,046,000 | 3,075,659,000 |