Call reports 2006
SYNERGY BANK — 2006
What SYNERGY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 149,430,000 | 152,678,000 | 172,423,000 | 170,678,000 |
| Total loans | 93,023,000 | 96,018,000 | 103,619,000 | 112,798,000 |
| Allowance for loan losses | 1,861,000 | 1,920,000 | 2,072,000 | 2,257,000 |
| Securities available for sale | 25,824,000 | 27,990,000 | 19,608,000 | 27,093,000 |
| Securities held to maturity | 12,467,000 | 13,373,000 | 24,804,000 | 17,244,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,987,000 | 139,794,000 | 158,755,000 | 155,975,000 |
| Interest-bearing deposits | 104,617,000 | 107,048,000 | 121,715,000 | 120,979,000 |
| Noninterest-bearing deposits | 32,370,000 | 32,746,000 | 37,040,000 | 34,996,000 |
| Equity capital | 11,848,000 | 12,498,000 | 13,177,000 | 13,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,194,000 | 4,620,000 | 7,335,000 | 10,251,000 |
| Interest expense | 736,000 | 1,584,000 | 2,632,000 | 3,753,000 |
| Net interest income | 1,458,000 | 3,036,000 | 4,703,000 | 6,498,000 |
| Noninterest income | 345,000 | 762,000 | 1,177,000 | 1,568,000 |
| Noninterest expense | 888,000 | 1,776,000 | 2,792,000 | 3,968,000 |
| Provision for loan losses | 92,000 | 156,000 | 308,000 | 503,000 |
| Pretax income | 823,000 | 1,866,000 | 2,780,000 | 3,595,000 |
| Income tax | 279,000 | 633,000 | 944,000 | 1,189,000 |
| Net income | 544,000 | 1,233,000 | 1,836,000 | 2,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,921,000 | 12,610,000 | 13,213,000 | 13,578,000 |
| Total capital | 13,103,000 | 13,839,000 | 14,587,000 | 15,045,000 |
| Risk-weighted assets | 93,914,000 | 97,662,000 | 109,249,000 | 116,536,000 |
Machine access — free, no API key
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