Call reports 2012
SYNERGY BANK, S.S.B. — 2012
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 121,132,000 | 116,243,000 | 118,211,000 | 117,314,000 |
| Total loans | 71,630,000 | 70,315,000 | 75,376,000 | 75,463,000 |
| Allowance for loan losses | 1,768,000 | 1,982,000 | 2,104,000 | 1,357,000 |
| Securities available for sale | 3,272,000 | 2,747,000 | 1,221,000 | 210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,505,000 | 96,833,000 | 98,625,000 | 97,115,000 |
| Interest-bearing deposits | 84,399,000 | 83,679,000 | 83,380,000 | 84,961,000 |
| Noninterest-bearing deposits | 17,107,000 | 13,154,000 | 15,246,000 | 12,154,000 |
| Equity capital | 17,402,000 | 17,335,000 | 17,447,000 | 18,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,256,000 | 2,457,000 | 3,777,000 | 5,008,000 |
| Interest expense | 275,000 | 520,000 | 759,000 | 978,000 |
| Net interest income | 981,000 | 1,937,000 | 3,018,000 | 4,030,000 |
| Noninterest income | 87,000 | 600,000 | 1,092,000 | 2,554,000 |
| Noninterest expense | 1,243,000 | 2,645,000 | 3,971,000 | 5,239,000 |
| Provision for loan losses | -92,000 | 73,000 | 208,000 | 208,000 |
| Pretax income | -83,000 | -181,000 | -68,000 | 1,138,000 |
| Income tax | -27,000 | -56,000 | -22,000 | 385,000 |
| Net income | -56,000 | -125,000 | -46,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,835,000 | 12,741,000 | 12,876,000 | 13,541,000 |
| Total capital | 13,845,000 | 13,798,000 | 13,925,000 | 14,566,000 |
| Risk-weighted assets | 80,014,000 | 83,645,000 | 82,895,000 | 82,029,000 |