Call reports 2010
SYNERGY BANK, S.S.B. — 2010
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 133,419,000 | 140,317,000 | 136,023,000 | 129,748,000 |
| Total loans | 96,491,000 | 99,215,000 | 98,090,000 | 83,646,000 |
| Allowance for loan losses | 1,267,000 | 1,414,000 | 1,449,000 | 1,582,000 |
| Securities available for sale | 840,000 | 753,000 | 679,000 | 575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,130,000 | 111,136,000 | 108,688,000 | 104,964,000 |
| Interest-bearing deposits | 98,660,000 | 95,341,000 | 94,666,000 | 92,999,000 |
| Noninterest-bearing deposits | 10,470,000 | 15,795,000 | 14,022,000 | 11,965,000 |
| Equity capital | 17,108,000 | 16,623,000 | 17,115,000 | 17,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,532,000 | 2,890,000 | 4,420,000 | 5,918,000 |
| Interest expense | 482,000 | 940,000 | 1,408,000 | 1,830,000 |
| Net interest income | 1,050,000 | 1,950,000 | 3,012,000 | 4,088,000 |
| Noninterest income | 284,000 | 112,000 | 1,100,000 | 1,119,000 |
| Noninterest expense | 1,333,000 | 2,573,000 | 3,847,000 | 5,148,000 |
| Provision for loan losses | -35,000 | 168,000 | 268,000 | 1,384,000 |
| Pretax income | 82,000 | -633,000 | 43,000 | -1,279,000 |
| Income tax | 23,000 | -191,000 | 12,000 | -385,000 |
| Net income | 59,000 | -442,000 | 31,000 | -894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,684,000 | 11,933,000 | 12,624,000 | 12,213,000 |
| Total capital | 13,937,000 | 13,111,000 | 13,774,000 | 13,286,000 |
| Risk-weighted assets | 100,239,000 | 95,220,000 | 93,347,000 | 85,328,000 |
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