Call reports 2015
SYNERGY BANK, S.S.B. — 2015
What SYNERGY BANK, S.S.B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 123,165,000 | 129,730,000 | 133,514,000 | 136,933,000 |
| Total loans | 80,455,000 | 93,811,000 | 97,863,000 | 102,007,000 |
| Allowance for loan losses | 808,000 | 809,000 | 809,000 | 800,000 |
| Securities available for sale | 10,915,000 | 10,266,000 | 9,168,000 | 8,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,742,000 | 105,571,000 | 113,009,000 | 116,404,000 |
| Interest-bearing deposits | 83,707,000 | 86,613,000 | 91,300,000 | 91,372,000 |
| Noninterest-bearing deposits | 18,035,000 | 18,958,000 | 21,709,000 | 25,032,000 |
| Equity capital | 17,620,000 | 17,597,000 | 17,820,000 | 18,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,114,000 | 2,308,000 | 3,667,000 | 5,005,000 |
| Interest expense | 145,000 | 304,000 | 477,000 | 654,000 |
| Net interest income | 969,000 | 2,004,000 | 3,190,000 | 4,351,000 |
| Noninterest income | 507,000 | 937,000 | 1,543,000 | 2,122,000 |
| Noninterest expense | 1,311,000 | 2,746,000 | 4,270,000 | 5,649,000 |
| Provision for loan losses | 34,000 | 63,000 | 63,000 | 97,000 |
| Pretax income | 131,000 | 132,000 | 400,000 | 727,000 |
| Income tax | 38,000 | 38,000 | 110,000 | 197,000 |
| Net income | 93,000 | 94,000 | 290,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,710,000 | 12,701,000 | 12,839,000 | 13,151,000 |
| Total capital | 13,518,000 | 13,510,000 | 13,648,000 | 13,951,000 |
| Risk-weighted assets | 78,695,000 | 88,015,000 | 90,420,000 | 96,656,000 |