Call reports 2010
SYNERGY BANK — 2010
What SYNERGY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 297,802,000 | 302,750,000 | 316,442,000 | 328,026,000 |
| Total loans | 241,916,000 | 248,247,000 | 243,455,000 | 237,806,000 |
| Allowance for loan losses | 4,746,000 | 4,909,000 | 4,952,000 | 4,767,000 |
| Securities available for sale | 14,032,000 | 16,063,000 | 15,052,000 | 20,000,000 |
| Securities held to maturity | 5,650,000 | 5,650,000 | 4,650,000 | 7,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,034,000 | 277,270,000 | 288,310,000 | 299,216,000 |
| Interest-bearing deposits | 222,220,000 | 225,064,000 | 233,201,000 | 242,437,000 |
| Noninterest-bearing deposits | 50,814,000 | 52,206,000 | 55,109,000 | 56,779,000 |
| Equity capital | 23,949,000 | 24,922,000 | 27,454,000 | 27,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,851,000 | 7,866,000 | 11,948,000 | 15,915,000 |
| Interest expense | 1,041,000 | 2,126,000 | 3,270,000 | 4,308,000 |
| Net interest income | 2,810,000 | 5,740,000 | 8,678,000 | 11,607,000 |
| Noninterest income | 555,000 | 1,148,000 | 1,714,000 | 2,312,000 |
| Noninterest expense | 1,773,000 | 3,656,000 | 5,537,000 | 7,634,000 |
| Provision for loan losses | 140,000 | 342,000 | 421,000 | 442,000 |
| Pretax income | 1,452,000 | 2,890,000 | 4,434,000 | 5,843,000 |
| Income tax | 493,000 | 980,000 | 1,504,000 | 1,978,000 |
| Net income | 959,000 | 1,910,000 | 2,930,000 | 3,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,945,000 | 24,907,000 | 27,439,000 | 27,996,000 |
| Total capital | 26,753,000 | 27,755,000 | 30,265,000 | 30,775,000 |
| Risk-weighted assets | 222,738,000 | 225,739,000 | 223,985,000 | 220,325,000 |
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