SmartFinancial Q1 EPS $0.49 GAAP, $0.51 operating; loan growth 21% ann.

SMARTFINANCIAL INC.

2022-Q1 EPS reported $0.49

Net income $8.3M ($0.49 diluted) vs $9.8M ($0.65) YoY; operating earnings $8.6M ($0.51).
Organic loan growth $136.9M (21% annualized QoQ); non-time deposit growth $195M (23% ann.).
NIM (FTE) 2.91%, down 1bp QoQ; net interest income $30.1M vs $29.9M prior quarter.
Credit quality: NPAs/assets 0.11%; allowance/loans 0.74%; net charge-offs 0.04%.
Operating efficiency ratio 68%; total assets $4.7B; tangible book value $18.64/share.

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