Call reports 2022
SMARTBANK — 2022
What SMARTBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 4,718,499,000 | 4,788,051,000 | 4,796,883,000 | 4,631,368,000 |
| Total loans | 2,811,920,000 | 2,995,781,000 | 3,101,858,000 | 3,255,379,000 |
| Allowance for loan losses | 20,078,000 | 21,938,000 | 22,769,000 | 23,334,000 |
| Securities available for sale | 540,483,000 | 524,864,000 | 519,723,000 | 483,893,000 |
| Securities held to maturity | 289,532,000 | 288,363,000 | 287,104,000 | 285,949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,201,280,000 | 4,289,507,000 | 4,291,405,000 | 4,085,834,000 |
| Interest-bearing deposits | 3,097,420,000 | 3,118,789,000 | 3,094,199,000 | 3,004,651,000 |
| Noninterest-bearing deposits | 1,103,860,000 | 1,170,718,000 | 1,197,206,000 | 1,081,183,000 |
| Equity capital | 457,424,000 | 459,398,000 | 455,587,000 | 475,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 32,915,000 | 69,224,000 | 111,520,000 | 158,835,000 |
| Interest expense | 2,109,000 | 4,660,000 | 9,527,000 | 18,372,000 |
| Net interest income | 30,806,000 | 64,564,000 | 101,993,000 | 140,463,000 |
| Noninterest income | 7,051,000 | 14,280,000 | 20,524,000 | 27,489,000 |
| Noninterest expense | 25,349,000 | 51,050,000 | 78,031,000 | 105,190,000 |
| Provision for loan losses | 1,006,000 | 2,256,000 | 3,230,000 | 4,018,000 |
| Pretax income | 11,502,000 | 25,538,000 | 41,256,000 | 58,888,000 |
| Income tax | 2,246,000 | 5,615,000 | 9,060,000 | 12,615,000 |
| Net income | 9,256,000 | 19,923,000 | 32,196,000 | 46,273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 370,875,000 | 382,474,000 | 388,760,000 | 403,613,000 |
| Total capital | 390,953,000 | 404,412,000 | 411,529,000 | 426,947,000 |
| Risk-weighted assets | 3,237,373,000 | 3,451,727,000 | 3,605,535,000 | 3,730,944,000 |