Call reports 2025
SMARTBANK — 2025
What SMARTBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,407,465,000 | 5,486,529,000 | 5,777,824,000 | 5,853,571,000 |
| Total loans | 3,996,050,000 | 4,129,547,000 | 4,232,225,000 | 4,374,447,000 |
| Allowance for loan losses | 38,175,000 | 39,776,000 | 39,074,000 | 40,906,000 |
| Securities available for sale | 499,445,000 | 502,150,000 | 511,095,000 | 539,882,000 |
| Securities held to maturity | 125,576,000 | 124,520,000 | 123,364,000 | 122,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,814,717,000 | 4,876,056,000 | 5,104,968,000 | 5,162,259,000 |
| Interest-bearing deposits | 3,924,365,000 | 3,965,156,000 | 4,119,420,000 | 4,089,871,000 |
| Noninterest-bearing deposits | 890,352,000 | 910,900,000 | 985,548,000 | 1,072,388,000 |
| Equity capital | 536,747,000 | 552,150,000 | 614,512,000 | 631,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 66,376,000 | 135,830,000 | 210,347,000 | 285,972,000 |
| Interest expense | 27,336,000 | 55,638,000 | 86,102,000 | 114,750,000 |
| Net interest income | 39,040,000 | 80,192,000 | 124,245,000 | 171,222,000 |
| Noninterest income | 8,561,000 | 17,465,000 | 29,769,000 | 37,987,000 |
| Noninterest expense | 31,981,000 | 64,230,000 | 97,469,000 | 129,639,000 |
| Provision for loan losses | 843,000 | 2,591,000 | 2,942,000 | 6,666,000 |
| Pretax income | 14,641,000 | 30,032,000 | 49,208,000 | 68,101,000 |
| Income tax | 2,567,000 | 5,397,000 | 9,153,000 | 12,677,000 |
| Net income | 12,074,000 | 24,635,000 | 40,055,000 | 55,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 453,025,000 | 466,919,000 | 530,814,000 | 547,820,000 |
| Total capital | 489,149,000 | 504,645,000 | 567,837,000 | 586,675,000 |
| Risk-weighted assets | 4,309,474,000 | 4,483,773,000 | 4,592,152,000 | 4,761,143,000 |