Call reports 2008
SYNERGY BANK — 2008
What SYNERGY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 212,675,000 | 214,494,000 | 229,654,000 | 251,577,000 |
| Total loans | 154,687,000 | 169,830,000 | 183,518,000 | 197,544,000 |
| Allowance for loan losses | 3,128,000 | 3,558,000 | 3,695,000 | 3,945,000 |
| Securities available for sale | 18,417,000 | 21,085,000 | 18,404,000 | 30,051,000 |
| Securities held to maturity | 7,999,000 | 9,016,000 | 9,013,000 | 6,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,693,000 | 196,385,000 | 210,203,000 | 231,592,000 |
| Interest-bearing deposits | 154,823,000 | 153,202,000 | 166,602,000 | 180,892,000 |
| Noninterest-bearing deposits | 39,870,000 | 43,183,000 | 43,601,000 | 50,700,000 |
| Equity capital | 16,998,000 | 17,561,000 | 18,402,000 | 19,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,522,000 | 7,008,000 | 10,617,000 | 14,251,000 |
| Interest expense | 1,319,000 | 2,447,000 | 3,608,000 | 4,790,000 |
| Net interest income | 2,203,000 | 4,561,000 | 7,009,000 | 9,461,000 |
| Noninterest income | 531,000 | 1,038,000 | 1,504,000 | 1,965,000 |
| Noninterest expense | 1,387,000 | 2,817,000 | 4,292,000 | 5,874,000 |
| Provision for loan losses | 105,000 | 545,000 | 697,000 | 973,000 |
| Pretax income | 1,242,000 | 2,237,000 | 3,524,000 | 4,579,000 |
| Income tax | 423,000 | 735,000 | 1,173,000 | 1,504,000 |
| Net income | 819,000 | 1,502,000 | 2,351,000 | 3,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,870,000 | 17,559,000 | 18,413,000 | 18,878,000 |
| Total capital | 18,822,000 | 19,644,000 | 20,671,000 | 21,315,000 |
| Risk-weighted assets | 155,003,000 | 165,302,000 | 179,215,000 | 193,429,000 |
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