Call reports 2012
SYNERGY BANK — 2012
What SYNERGY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 358,719,000 | 372,581,000 | 380,167,000 | 391,214,000 |
| Total loans | 253,500,000 | 263,256,000 | 276,077,000 | 279,151,000 |
| Allowance for loan losses | 5,531,000 | 5,763,000 | 6,197,000 | 6,236,000 |
| Securities available for sale | 21,170,000 | 18,130,000 | 22,139,000 | 24,037,000 |
| Securities held to maturity | 18,569,000 | 10,546,000 | 12,022,000 | 8,992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,370,000 | 338,430,000 | 343,409,000 | 354,002,000 |
| Interest-bearing deposits | 260,275,000 | 272,443,000 | 274,546,000 | 280,181,000 |
| Noninterest-bearing deposits | 63,095,000 | 65,987,000 | 68,863,000 | 73,821,000 |
| Equity capital | 32,541,000 | 33,583,000 | 34,678,000 | 35,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,041,000 | 8,186,000 | 12,500,000 | 16,931,000 |
| Interest expense | 792,000 | 1,548,000 | 2,254,000 | 2,910,000 |
| Net interest income | 3,249,000 | 6,638,000 | 10,246,000 | 14,021,000 |
| Noninterest income | 692,000 | 1,434,000 | 2,149,000 | 2,781,000 |
| Noninterest expense | 2,138,000 | 4,366,000 | 6,630,000 | 8,982,000 |
| Provision for loan losses | 369,000 | 708,000 | 1,142,000 | 1,223,000 |
| Pretax income | 1,434,000 | 2,998,000 | 4,623,000 | 6,597,000 |
| Income tax | 488,000 | 1,017,000 | 1,569,000 | 2,236,000 |
| Net income | 946,000 | 1,981,000 | 3,054,000 | 4,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,500,000 | 33,551,000 | 34,638,000 | 35,447,000 |
| Total capital | 35,517,000 | 36,663,000 | 37,914,000 | 38,769,000 |
| Risk-weighted assets | 238,825,000 | 246,285,000 | 259,124,000 | 262,870,000 |