Call reports 2008
SYNERGY BANK, S.S.B. — 2008
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 144,082,000 | 145,892,000 | 144,684,000 | 151,521,000 |
| Total loans | 89,981,000 | 104,020,000 | 100,220,000 | 102,938,000 |
| Allowance for loan losses | 582,000 | 613,000 | 717,000 | 1,053,000 |
| Securities available for sale | 21,453,000 | 19,820,000 | 19,113,000 | 18,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,344,000 | 114,696,000 | 113,480,000 | 120,633,000 |
| Interest-bearing deposits | 101,750,000 | 103,369,000 | 101,875,000 | 107,756,000 |
| Noninterest-bearing deposits | 10,594,000 | 11,327,000 | 11,605,000 | 12,877,000 |
| Equity capital | 15,505,000 | 15,161,000 | 15,041,000 | 14,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,197,000 | 4,232,000 | 6,311,000 | 8,110,000 |
| Interest expense | 1,026,000 | 1,967,000 | 2,906,000 | 3,858,000 |
| Net interest income | 1,171,000 | 2,265,000 | 3,405,000 | 4,252,000 |
| Noninterest income | 85,000 | 169,000 | 81,000 | -222,000 |
| Noninterest expense | 1,135,000 | 2,353,000 | 3,626,000 | 5,024,000 |
| Provision for loan losses | 14,000 | 44,000 | 163,000 | 511,000 |
| Pretax income | 107,000 | 37,000 | -303,000 | -1,505,000 |
| Income tax | 36,000 | 13,000 | -103,000 | -512,000 |
| Net income | 71,000 | 24,000 | -200,000 | -993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,894,000 | 11,830,000 | 11,496,000 | 10,801,000 |
| Total capital | 12,476,000 | 12,443,000 | 12,213,000 | 11,854,000 |
| Risk-weighted assets | 99,103,000 | 107,775,000 | 107,957,000 | 110,285,000 |
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