Call reports 2014
SYNERGY BANK — 2014
What SYNERGY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 450,101,000 | 458,558,000 | 461,303,000 | 465,824,000 |
| Total loans | 300,729,000 | 311,744,000 | 320,243,000 | 326,727,000 |
| Allowance for loan losses | 6,468,000 | 6,562,000 | 6,723,000 | 6,773,000 |
| Securities available for sale | 37,561,000 | 38,553,000 | 40,155,000 | 41,413,000 |
| Securities held to maturity | 35,632,000 | 35,956,000 | 35,965,000 | 36,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,479,000 | 414,387,000 | 415,921,000 | 420,167,000 |
| Interest-bearing deposits | 325,391,000 | 325,530,000 | 330,798,000 | 336,275,000 |
| Noninterest-bearing deposits | 82,088,000 | 88,857,000 | 85,123,000 | 83,892,000 |
| Equity capital | 41,507,000 | 43,186,000 | 44,597,000 | 45,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,506,000 | 9,242,000 | 14,139,000 | 19,198,000 |
| Interest expense | 525,000 | 1,060,000 | 1,621,000 | 2,170,000 |
| Net interest income | 3,981,000 | 8,182,000 | 12,518,000 | 17,028,000 |
| Noninterest income | 649,000 | 1,448,000 | 2,057,000 | 2,840,000 |
| Noninterest expense | 2,474,000 | 4,998,000 | 7,661,000 | 10,444,000 |
| Provision for loan losses | 5,000 | 95,000 | 276,000 | 328,000 |
| Pretax income | 2,151,000 | 4,537,000 | 6,638,000 | 9,096,000 |
| Income tax | 721,000 | 1,518,000 | 2,221,000 | 3,051,000 |
| Net income | 1,430,000 | 3,019,000 | 4,417,000 | 6,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,701,000 | 43,307,000 | 44,723,000 | 45,340,000 |
| Total capital | 45,394,000 | 47,166,000 | 48,674,000 | 49,399,000 |
| Risk-weighted assets | 295,181,000 | 306,008,000 | 313,321,000 | 321,977,000 |
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