Call reports 2014
SYNERGY BANK, S.S.B. — 2014
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 121,147,000 | 122,063,000 | 118,363,000 | 116,532,000 |
| Total loans | 78,750,000 | 80,100,000 | 75,178,000 | 79,080,000 |
| Allowance for loan losses | 962,000 | 951,000 | 804,000 | 799,000 |
| Securities available for sale | 6,153,000 | 9,216,000 | 12,114,000 | 11,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,110,000 | 103,084,000 | 99,671,000 | 98,260,000 |
| Interest-bearing deposits | 84,005,000 | 83,618,000 | 80,950,000 | 80,244,000 |
| Noninterest-bearing deposits | 18,105,000 | 19,465,000 | 18,721,000 | 18,016,000 |
| Equity capital | 18,541,000 | 18,742,000 | 18,229,000 | 17,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,377,000 | 3,521,000 | 4,606,000 |
| Interest expense | 147,000 | 297,000 | 446,000 | 598,000 |
| Net interest income | 1,050,000 | 2,080,000 | 3,075,000 | 4,008,000 |
| Noninterest income | 116,000 | 569,000 | 203,000 | -324,000 |
| Noninterest expense | 1,245,000 | 2,480,000 | 3,807,000 | 5,267,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 40,000 |
| Pretax income | -81,000 | 155,000 | -543,000 | -1,608,000 |
| Income tax | -21,000 | 44,000 | -168,000 | -496,000 |
| Net income | -60,000 | 111,000 | -375,000 | -1,112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,931,000 | 14,348,000 | 13,651,000 | 12,449,000 |
| Total capital | 14,887,000 | 15,299,000 | 14,455,000 | 13,248,000 |
| Risk-weighted assets | 76,442,000 | 81,396,000 | 77,959,000 | 75,258,000 |
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