Call reports 2018
SYNERGY BANK — 2018
What SYNERGY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 518,708,000 | 516,120,000 | 517,105,000 | 514,499,000 |
| Total loans | 348,831,000 | 347,532,000 | 339,178,000 | 348,510,000 |
| Allowance for loan losses | 7,873,000 | 8,079,000 | 7,205,000 | 7,103,000 |
| Securities available for sale | 73,063,000 | 77,166,000 | 79,930,000 | 83,088,000 |
| Securities held to maturity | 37,195,000 | 36,671,000 | 41,630,000 | 45,135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,865,000 | 455,020,000 | 456,916,000 | 454,086,000 |
| Interest-bearing deposits | 366,730,000 | 363,031,000 | 359,181,000 | 359,808,000 |
| Noninterest-bearing deposits | 95,135,000 | 91,989,000 | 97,735,000 | 94,278,000 |
| Equity capital | 55,445,000 | 56,869,000 | 58,324,000 | 58,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,341,000 | 10,917,000 | 16,647,000 | 22,848,000 |
| Interest expense | 745,000 | 1,549,000 | 2,405,000 | 3,333,000 |
| Net interest income | 4,596,000 | 9,368,000 | 14,242,000 | 19,515,000 |
| Noninterest income | 791,000 | 1,633,000 | 2,516,000 | 3,293,000 |
| Noninterest expense | 3,437,000 | 6,922,000 | 10,453,000 | 13,959,000 |
| Provision for loan losses | 600,000 | 946,000 | 1,296,000 | 1,969,000 |
| Pretax income | 1,350,000 | 3,133,000 | 5,009,000 | 6,880,000 |
| Income tax | 267,000 | 627,000 | 1,003,000 | 1,385,000 |
| Net income | 1,083,000 | 2,506,000 | 4,006,000 | 5,495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,139,000 | 57,589,000 | 59,116,000 | 59,282,000 |
| Total capital | 60,568,000 | 61,991,000 | 63,433,000 | 63,695,000 |
| Risk-weighted assets | 350,862,000 | 348,453,000 | 342,433,000 | 350,337,000 |