Call reports 2009
SYNERGY BANK, S.S.B. — 2009
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 160,299,000 | 161,388,000 | 158,678,000 | 146,275,000 |
| Total loans | 119,632,000 | 120,629,000 | 124,116,000 | 93,913,000 |
| Allowance for loan losses | 842,000 | 871,000 | 837,000 | 1,258,000 |
| Securities available for sale | 10,693,000 | 4,837,000 | 4,544,000 | 2,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,763,000 | 134,803,000 | 133,252,000 | 120,951,000 |
| Interest-bearing deposits | 123,285,000 | 122,491,000 | 120,838,000 | 107,858,000 |
| Noninterest-bearing deposits | 10,479,000 | 12,312,000 | 12,414,000 | 13,093,000 |
| Equity capital | 15,518,000 | 15,482,000 | 16,869,000 | 17,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,956,000 | 3,752,000 | 5,486,000 | 7,254,000 |
| Interest expense | 958,000 | 1,876,000 | 2,709,000 | 3,375,000 |
| Net interest income | 998,000 | 1,876,000 | 2,777,000 | 3,879,000 |
| Noninterest income | 93,000 | 63,000 | 79,000 | -133,000 |
| Noninterest expense | 1,131,000 | 2,429,000 | 3,681,000 | 5,068,000 |
| Provision for loan losses | 30,000 | 60,000 | 133,000 | 993,000 |
| Pretax income | 49,000 | -309,000 | -716,000 | -1,978,000 |
| Income tax | 18,000 | -91,000 | -213,000 | -592,000 |
| Net income | 31,000 | -218,000 | -503,000 | -1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,728,000 | 11,489,000 | 12,638,000 | 12,704,000 |
| Total capital | 12,570,000 | 12,359,000 | 13,475,000 | 13,962,000 |
| Risk-weighted assets | 117,828,000 | 115,692,000 | 104,024,000 | 104,051,000 |
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