Call reports 2007
SYNERGY BANK — 2007
What SYNERGY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 185,392,000 | 180,837,000 | 191,015,000 | 202,191,000 |
| Total loans | 117,474,000 | 132,513,000 | 141,864,000 | 150,256,000 |
| Allowance for loan losses | 2,350,000 | 2,651,000 | 2,838,000 | 2,982,000 |
| Securities available for sale | 31,615,000 | 17,629,000 | 14,717,000 | 20,777,000 |
| Securities held to maturity | 16,687,000 | 15,627,000 | 12,561,000 | 11,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,195,000 | 165,035,000 | 174,820,000 | 185,377,000 |
| Interest-bearing deposits | 133,826,000 | 126,605,000 | 135,054,000 | 144,592,000 |
| Noninterest-bearing deposits | 36,369,000 | 38,430,000 | 39,766,000 | 40,785,000 |
| Equity capital | 14,208,000 | 14,735,000 | 15,507,000 | 16,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,944,000 | 6,222,000 | 9,625,000 | 13,157,000 |
| Interest expense | 1,175,000 | 2,444,000 | 3,788,000 | 5,161,000 |
| Net interest income | 1,769,000 | 3,778,000 | 5,837,000 | 7,996,000 |
| Noninterest income | 464,000 | 908,000 | 1,421,000 | 1,914,000 |
| Noninterest expense | 1,171,000 | 2,495,000 | 3,805,000 | 5,169,000 |
| Provision for loan losses | 95,000 | 396,000 | 563,000 | 703,000 |
| Pretax income | 967,000 | 1,794,000 | 2,889,000 | 4,037,000 |
| Income tax | 329,000 | 611,000 | 984,000 | 1,348,000 |
| Net income | 638,000 | 1,183,000 | 1,905,000 | 2,689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,220,000 | 14,767,000 | 15,482,000 | 16,046,000 |
| Total capital | 15,766,000 | 16,436,000 | 17,259,000 | 17,931,000 |
| Risk-weighted assets | 122,904,000 | 132,571,000 | 141,095,000 | 149,743,000 |
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