Call reports 2013
SYNERGY BANK — 2013
What SYNERGY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 407,680,000 | 412,672,000 | 421,971,000 | 432,583,000 |
| Total loans | 285,365,000 | 288,918,000 | 290,108,000 | 290,690,000 |
| Allowance for loan losses | 6,422,000 | 6,423,000 | 6,290,000 | 6,286,000 |
| Securities available for sale | 31,700,000 | 32,178,000 | 30,966,000 | 35,720,000 |
| Securities held to maturity | 8,906,000 | 23,630,000 | 27,119,000 | 30,918,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,705,000 | 372,760,000 | 381,585,000 | 391,497,000 |
| Interest-bearing deposits | 294,248,000 | 294,113,000 | 301,541,000 | 306,809,000 |
| Noninterest-bearing deposits | 75,457,000 | 78,647,000 | 80,044,000 | 84,688,000 |
| Equity capital | 36,777,000 | 38,021,000 | 39,649,000 | 40,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,405,000 | 8,897,000 | 13,489,000 | 18,088,000 |
| Interest expense | 593,000 | 1,163,000 | 1,715,000 | 2,256,000 |
| Net interest income | 3,812,000 | 7,734,000 | 11,774,000 | 15,832,000 |
| Noninterest income | 701,000 | 1,492,000 | 2,224,000 | 2,779,000 |
| Noninterest expense | 2,353,000 | 4,805,000 | 7,212,000 | 9,825,000 |
| Provision for loan losses | 204,000 | 204,000 | 204,000 | 233,000 |
| Pretax income | 1,956,000 | 4,217,000 | 6,582,000 | 8,553,000 |
| Income tax | 660,000 | 1,421,000 | 2,217,000 | 2,878,000 |
| Net income | 1,296,000 | 2,796,000 | 4,365,000 | 5,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,759,000 | 38,275,000 | 39,860,000 | 40,253,000 |
| Total capital | 40,154,000 | 41,736,000 | 43,396,000 | 43,839,000 |
| Risk-weighted assets | 268,575,000 | 273,922,000 | 280,105,000 | 284,207,000 |