SmartFinancial, Inc. (SMBK) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 45.88M | 45.09M | 42.43M | 40.34M | 38.24M | 37.78M | 35.03M | 32.81M | 31.72M | 31.52M | 31.01M | 31.57M |
| NII Growth % | 19.97% | 19.35% | 21.12% | 22.94% | 20.54% | 19.88% | 12.98% | 3.92% | -11.84% | -16.2% | -15.53% | -4.5% |
| Net Interest Margin % | 0.78% | 0.77% | 0.73% | 0.73% | 0.71% | 0.72% | 0.71% | 0.67% | 0.64% | 0.65% | 0.65% | 0.67% |
| Interest Income | 74.27M | 75.63M | 74.52M | 69.45M | 66.38M | 66.1M | 63.96M | 61.28M | 59.78M | 57.49M | 55.27M | 52.09M |
| Interest Expense | 28.39M | 30.53M | 32.09M | 29.11M | 28.14M | 28.31M | 28.92M | 28.47M | 28.06M | 25.98M | 24.27M | 20.52M |
| Loan Loss Provision | 0 | 0 | 227K | 2.41M | 979K | 2.13M | 2.58M | 883K | -440K | 1.57M | 795K | 113K |
| Non-Interest Income | 7.94M | 8.22M | 4.68M | 8.9M | 8.6M | 9.03M | 9.14M | 7.6M | 8.38M | 7.58M | 691K | 7.13M |
| Non-Interest Income % | 9.66% | 9.8% | 5.91% | 11.36% | 11.47% | 12.02% | 12.5% | 11.04% | 12.29% | 11.65% | 1.23% | 12.04% |
| Total Revenue | 82.21M | 83.84M | 79.2M | 78.35M | 74.97M | 75.13M | 73.09M | 68.89M | 68.16M | 65.07M | 55.97M | 59.22M |
| Revenue Growth % | 9.65% | 11.6% | 8.35% | 13.74% | 9.99% | 15.45% | 30.61% | 16.32% | 13.41% | 19.54% | 15.28% | 36.03% |
| Non-Interest Expense | 37.05M | 36.6M | 29.91M | 32.57M | 32.3M | 32.29M | 30.85M | 29.2M | 28.55M | 29.7M | 28.52M | 27.41M |
| Efficiency Ratio | 45.07% | 43.66% | 37.77% | 41.57% | 43.08% | 42.98% | 42.2% | 42.39% | 41.89% | 45.63% | 50.95% | 46.28% |
| Operating Income | 16.76M | 16.71M | 16.97M | 14.26M | 13.56M | 12.39M | 10.75M | 10.33M | 11.99M | 7.83M | 2.39M | 11.18M |
| Operating Margin % | 20.39% | 19.93% | 21.43% | 18.2% | 18.09% | 16.49% | 14.71% | 15% | 17.59% | 12.03% | 4.26% | 18.88% |
| Operating Income Growth % | 23.62% | 34.9% | 57.87% | 38% | 13.11% | 58.2% | 350.54% | -7.58% | -19.15% | -52.64% | -83.83% | -14.74% |
| Pretax Income | 16.76M | 16.71M | 16.97M | 14.26M | 13.56M | 12.39M | 10.75M | 10.33M | 11.99M | 7.83M | 2.39M | 11.18M |
| Pretax Margin % | 20.39% | 19.93% | 21.43% | 18.2% | 18.09% | 16.49% | 14.71% | 15% | 17.59% | 12.03% | 4.26% | 18.88% |
| Income Tax | 3.08M | 3.01M | 3.29M | 2.56M | 2.31M | 2.75M | 1.61M | 2.33M | 2.63M | 1.64M | 319K | 2.35M |
| Effective Tax Rate % | 18.39% | 18% | 19.36% | 17.92% | 17.01% | 22.17% | 14.98% | 22.56% | 21.94% | 20.95% | 13.37% | 20.98% |
| Net Income | 13.68M | 13.7M | 13.69M | 11.71M | 11.25M | 9.64M | 9.14M | 8M | 9.36M | 6.19M | 2.07M | 8.84M |
| Net Margin % | 16.64% | 16.34% | 17.28% | 14.94% | 15.01% | 12.83% | 12.5% | 11.62% | 13.73% | 9.51% | 3.69% | 14.92% |
| Net Income Growth % | 21.56% | 42.13% | 49.74% | 46.26% | 20.26% | 55.75% | 342.19% | -9.43% | -18.63% | -52.4% | -82.09% | -13.5% |
| Net Income (Continuing) | 13.68M | 13.7M | 13.69M | 11.71M | 11.25M | 9.64M | 9.14M | 8M | 9.36M | 6.19M | 2.07M | 8.84M |
| EPS (Diluted) | 0.81 | 0.81 | 0.81 | 0.69 | 0.67 | 0.57 | 0.54 | 0.48 | 0.55 | 0.37 | 0.12 | 0.52 |
| EPS Growth % | 20.9% | 42.11% | 50% | 43.75% | 21.82% | 54.05% | 350% | -7.69% | -19.12% | -51.95% | -82.35% | -14.75% |
| EPS (Basic) | 0.81 | 0.82 | 0.82 | 0.70 | 0.67 | 0.57 | 0.55 | 0.48 | 0.56 | 0.37 | 0.12 | 0.53 |
| Diluted Shares Outstanding | 16.94M | 16.92M | 16.91M | 16.88M | 16.87M | 16.88M | 16.84M | 16.85M | 16.93M | 16.92M | 16.92M | 16.9M |