Call reports 2009
SYNERGY BANK — 2009
What SYNERGY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 255,154,000 | 260,550,000 | 274,420,000 | 288,219,000 |
| Total loans | 206,534,000 | 219,291,000 | 227,127,000 | 232,468,000 |
| Allowance for loan losses | 4,231,000 | 4,545,000 | 4,753,000 | 4,620,000 |
| Securities available for sale | 22,505,000 | 24,619,000 | 21,065,000 | 11,034,000 |
| Securities held to maturity | 4,505,000 | 1,502,000 | 1,500,000 | 4,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,655,000 | 238,261,000 | 251,428,000 | 263,793,000 |
| Interest-bearing deposits | 183,413,000 | 189,805,000 | 205,566,000 | 219,097,000 |
| Noninterest-bearing deposits | 50,242,000 | 48,456,000 | 45,862,000 | 44,696,000 |
| Equity capital | 20,900,000 | 21,622,000 | 22,342,000 | 22,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,540,000 | 7,177,000 | 10,951,000 | 14,772,000 |
| Interest expense | 973,000 | 1,927,000 | 2,977,000 | 4,038,000 |
| Net interest income | 2,567,000 | 5,250,000 | 7,974,000 | 10,734,000 |
| Noninterest income | 493,000 | 1,040,000 | 1,613,000 | 2,121,000 |
| Noninterest expense | 1,755,000 | 3,559,000 | 5,253,000 | 7,007,000 |
| Provision for loan losses | 285,000 | 606,000 | 1,088,000 | 1,223,000 |
| Pretax income | 1,020,000 | 2,125,000 | 3,246,000 | 4,625,000 |
| Income tax | 348,000 | 724,000 | 1,106,000 | 1,549,000 |
| Net income | 672,000 | 1,401,000 | 2,140,000 | 3,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,809,000 | 21,546,000 | 22,293,000 | 22,973,000 |
| Total capital | 23,316,000 | 24,161,000 | 24,965,000 | 25,707,000 |
| Risk-weighted assets | 198,835,000 | 207,289,000 | 211,696,000 | 216,828,000 |
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