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Balance Sheet
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Income Overview
Net Income
$16,322K
EPS
$0.96
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans and leases, including fees
69,546
65,638
60,671*
64,282
Taxable
5,722
5,492
5,575*
4,876
Tax-exempt
565
555
472*
441
Federal funds sold and other earning assets
2,209
2,585
3,299*
4,919
Total interest income
78,042
74,270
70,017*
74,518
Deposits
27,723
26,529
26,600*
30,464
Borrowings
371
1
29*
14
Subordinated debt
1,884
1,864
1,443*
1,610
Total interest expense
29,978
28,394
28,071*
32,088
Net interest income
48,064
45,876
41,946*
42,430
Provision for credit losses
1,463
4,139
3,793*
227
Net interest income after provision for credit losses
46,601
41,737
38,153*
42,203
Service charges on deposit accounts
1,881
1,853
1,766*
1,831
Loss (gain) on sale of securities, net
54
1
1,860*
-3,715
Mortgage banking
916
760
660*
709
Investment services
1,724
1,796
1,887*
1,690
Insurance commissions
-
-
112*
1,049
Interchange and debit card transaction fees, net
1,676
1,418
1,255*
1,338
Loss on sale of sbk insurance ('sbki')
-
-
-1,977*
3,955
Other
1,635
2,113
2,489*
1,780
Total noninterest income
7,886
7,941
8,050*
8,637
Salaries and employee benefits
21,015
20,414
21,543*
19,544
Occupancy and equipment
3,351
3,344
3,336*
3,468
Fdic insurance
920
750
977*
1,025
Other real estate and loan related expense
806
792
653*
969
Advertising and marketing
408
387
353*
454
Data processing and technology
2,683
2,436
2,449*
2,594
Professional services
1,366
1,193
1,361*
1,123
Amortization of intangibles
454
457
497*
536
Merger related and restructuring expenses
-
-
-2,604*
1,310
Other
2,952
3,142
2,984*
2,846
Total noninterest expense
33,955
32,915
31,548*
33,869
Income before income tax expense
20,532
16,763
14,654*
16,971
Income tax expense
4,210
3,083
2,393*
3,285
Net income
16,322
13,680
12,261
13,686
Basic EPS
0.97
0.81
0.731
0.82
Diluted EPS
0.96
0.81
0.725
0.81
Basic Average Shares
16,824,053
16,821,486
16,776,833
16,781,236
Diluted Average Shares
16,961,750
16,935,530
16,901,901
16,908,920
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans and leases,
including fees
$69,546K
(13.92%↑ Y/Y)
Taxable
$5,722K
(18.03%↑ Y/Y)
Federal funds sold and
other earning assets
$2,209K
(-30.12%↓ Y/Y)
Tax-exempt
$565K
(43.04%↑ Y/Y)
Total interest income
$78,042K
(12.37%↑ Y/Y)
Net interest income
$48,064K
(19.14%↑ Y/Y)
Service charges on
deposit accounts
$1,881K
(6.51%↑ Y/Y)
Investment services
$1,724K
(19.72%↑ Y/Y)
Interchange and debit card
transaction fees, net
$1,676K
(24.89%↑ Y/Y)
Other
$1,635K
(-24.55%↓ Y/Y)
Mortgage banking
$916K
(44.71%↑ Y/Y)
Loss (gain) on sale of
securities, net
$54K
(1450.00%↑ Y/Y)
Total interest
expense
$29,978K
(2.98%↑ Y/Y)
Net interest income
after provision for...
$46,601K
(22.85%↑ Y/Y)
Total noninterest
income
$7,886K
(-11.37%↓ Y/Y)
Provision for credit
losses
$1,463K
(-39.32%↓ Y/Y)
Deposits
$27,723K
(-2.04%↓ Y/Y)
Subordinated debt
$1,884K
(154.94%↑ Y/Y)
Borrowings
$371K
(430.00%↑ Y/Y)
Income before income
tax expense
$20,532K
(43.97%↑ Y/Y)
Total noninterest
expense
$33,955K
(4.26%↑ Y/Y)
Net income
$16,322K
(39.44%↑ Y/Y)
Income tax expense
$4,210K
(64.71%↑ Y/Y)
Salaries and employee
benefits
$21,015K
(7.21%↑ Y/Y)
Occupancy and equipment
$3,351K
(-2.36%↓ Y/Y)
Other
$2,952K
(-2.45%↓ Y/Y)
Data processing and
technology
$2,683K
(1.21%↑ Y/Y)
Professional services
$1,366K
(18.47%↑ Y/Y)
Fdic insurance
$920K
(-7.26%↓ Y/Y)
Other real estate and
loan related expense
$806K
(6.47%↑ Y/Y)
Amortization of intangibles
$454K
(-19.79%↓ Y/Y)
Advertising and marketing
$408K
(4.62%↑ Y/Y)
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SMARTFINANCIAL INC. (SMBK)
SMARTFINANCIAL INC. (SMBK)