Call reports 2007
SYNERGY BANK, S.S.B. — 2007
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 96,875,000 | 96,369,000 | 143,262,000 | 134,784,000 |
| Total loans | 72,023,000 | 76,756,000 | 85,412,000 | 90,034,000 |
| Allowance for loan losses | 422,000 | 402,000 | 433,000 | 599,000 |
| Securities available for sale | 0 | 0 | 9,322,000 | 9,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,469,000 | 81,873,000 | 126,962,000 | 118,623,000 |
| Interest-bearing deposits | 72,238,000 | 69,549,000 | 114,392,000 | 107,925,000 |
| Noninterest-bearing deposits | 13,231,000 | 12,324,000 | 12,570,000 | 10,698,000 |
| Equity capital | 10,353,000 | 13,428,000 | 15,553,000 | 15,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,627,000 | 3,386,000 | 5,759,000 | 8,064,000 |
| Interest expense | 784,000 | 1,615,000 | 2,832,000 | 4,031,000 |
| Net interest income | 843,000 | 1,771,000 | 2,927,000 | 4,033,000 |
| Noninterest income | 105,000 | 147,000 | 206,000 | 239,000 |
| Noninterest expense | 807,000 | 1,633,000 | 2,684,000 | 3,830,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 245,000 |
| Pretax income | 126,000 | 240,000 | 374,000 | 197,000 |
| Income tax | 42,000 | 81,000 | 126,000 | 66,000 |
| Net income | 84,000 | 159,000 | 248,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,476,000 | 11,590,000 | 12,091,000 | 11,781,000 |
| Total capital | 8,898,000 | 11,992,000 | 12,524,000 | 12,380,000 |
| Risk-weighted assets | 70,745,000 | 75,838,000 | 93,869,000 | 96,107,000 |
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