Call reports 2015
SYNERGY BANK — 2015
What SYNERGY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 496,053,000 | 488,712,000 | 490,860,000 | 482,643,000 |
| Total loans | 331,306,000 | 341,123,000 | 342,191,000 | 354,519,000 |
| Allowance for loan losses | 6,834,000 | 6,685,000 | 6,758,000 | 7,162,000 |
| Securities available for sale | 41,277,000 | 42,982,000 | 44,713,000 | 43,023,000 |
| Securities held to maturity | 35,645,000 | 40,376,000 | 38,047,000 | 33,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,917,000 | 439,443,000 | 439,944,000 | 431,795,000 |
| Interest-bearing deposits | 349,358,000 | 340,767,000 | 341,015,000 | 329,810,000 |
| Noninterest-bearing deposits | 98,559,000 | 98,676,000 | 98,929,000 | 101,985,000 |
| Equity capital | 46,825,000 | 48,327,000 | 50,055,000 | 50,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,923,000 | 10,011,000 | 15,252,000 | 20,495,000 |
| Interest expense | 540,000 | 1,091,000 | 1,663,000 | 2,215,000 |
| Net interest income | 4,383,000 | 8,920,000 | 13,589,000 | 18,280,000 |
| Noninterest income | 657,000 | 1,397,000 | 2,180,000 | 2,963,000 |
| Noninterest expense | 2,708,000 | 5,563,000 | 8,438,000 | 11,436,000 |
| Provision for loan losses | 127,000 | 318,000 | 394,000 | 837,000 |
| Pretax income | 2,205,000 | 4,436,000 | 6,937,000 | 8,970,000 |
| Income tax | 742,000 | 1,484,000 | 2,322,000 | 2,987,000 |
| Net income | 1,463,000 | 2,952,000 | 4,615,000 | 5,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,824,000 | 48,333,000 | 50,016,000 | 50,378,000 |
| Total capital | 51,112,000 | 52,549,000 | 54,187,000 | 54,822,000 |
| Risk-weighted assets | 340,475,000 | 334,801,000 | 331,120,000 | 352,829,000 |