Call reports 2011
SYNERGY BANK — 2011
What SYNERGY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 339,088,000 | 336,743,000 | 345,525,000 | 347,027,000 |
| Total loans | 234,666,000 | 241,822,000 | 241,982,000 | 247,642,000 |
| Allowance for loan losses | 4,874,000 | 5,139,000 | 5,329,000 | 5,174,000 |
| Securities available for sale | 24,120,000 | 24,285,000 | 23,244,000 | 24,202,000 |
| Securities held to maturity | 9,549,000 | 15,570,000 | 17,702,000 | 20,692,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,355,000 | 306,015,000 | 313,672,000 | 314,553,000 |
| Interest-bearing deposits | 249,994,000 | 247,593,000 | 256,258,000 | 259,581,000 |
| Noninterest-bearing deposits | 59,361,000 | 58,422,000 | 57,414,000 | 54,972,000 |
| Equity capital | 28,932,000 | 29,997,000 | 31,061,000 | 31,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,816,000 | 7,722,000 | 11,794,000 | 15,834,000 |
| Interest expense | 927,000 | 1,830,000 | 2,697,000 | 3,529,000 |
| Net interest income | 2,889,000 | 5,892,000 | 9,097,000 | 12,305,000 |
| Noninterest income | 601,000 | 1,343,000 | 1,933,000 | 2,611,000 |
| Noninterest expense | 1,991,000 | 3,986,000 | 5,986,000 | 8,236,000 |
| Provision for loan losses | 89,000 | 364,000 | 554,000 | 757,000 |
| Pretax income | 1,410,000 | 2,885,000 | 4,490,000 | 5,923,000 |
| Income tax | 479,000 | 978,000 | 1,523,000 | 2,014,000 |
| Net income | 931,000 | 1,907,000 | 2,967,000 | 3,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,941,000 | 29,930,000 | 31,003,000 | 31,540,000 |
| Total capital | 31,707,000 | 32,791,000 | 33,885,000 | 34,516,000 |
| Risk-weighted assets | 219,162,000 | 226,616,000 | 228,111,000 | 235,908,000 |