Call reports 2013
SYNERGY BANK, S.S.B. — 2013
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 118,599,000 | 116,373,000 | 118,768,000 | 117,697,000 |
| Total loans | 71,700,000 | 73,027,000 | 74,817,000 | 77,071,000 |
| Allowance for loan losses | 1,353,000 | 1,178,000 | 1,021,000 | 986,000 |
| Securities available for sale | 200,000 | 182,000 | 6,484,000 | 6,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,147,000 | 97,566,000 | 99,455,000 | 98,476,000 |
| Interest-bearing deposits | 84,348,000 | 82,131,000 | 82,814,000 | 83,069,000 |
| Noninterest-bearing deposits | 15,799,000 | 15,435,000 | 16,641,000 | 15,407,000 |
| Equity capital | 18,148,000 | 18,391,000 | 18,609,000 | 18,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,138,000 | 2,353,000 | 3,497,000 | 4,835,000 |
| Interest expense | 195,000 | 363,000 | 518,000 | 671,000 |
| Net interest income | 943,000 | 1,990,000 | 2,979,000 | 4,164,000 |
| Noninterest income | 241,000 | 1,046,000 | 1,639,000 | 1,629,000 |
| Noninterest expense | 1,325,000 | 2,631,000 | 3,886,000 | 5,082,000 |
| Provision for loan losses | 0 | 192,000 | 212,000 | 212,000 |
| Pretax income | -141,000 | 213,000 | 520,000 | 499,000 |
| Income tax | -42,000 | 62,000 | 155,000 | 144,000 |
| Net income | -99,000 | 151,000 | 365,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,405,000 | 13,785,000 | 14,168,000 | 14,010,000 |
| Total capital | 14,383,000 | 14,729,000 | 15,136,000 | 14,993,000 |
| Risk-weighted assets | 77,849,000 | 75,221,000 | 77,956,000 | 78,636,000 |
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