Call reports 2025
SYNERGY BANK — 2025
What SYNERGY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,224,878,000 | 1,242,632,000 | 1,237,424,000 | 1,236,971,000 |
| Total loans | 746,687,000 | 769,035,000 | 817,324,000 | 828,362,000 |
| Allowance for loan losses | 14,960,000 | 15,396,000 | 16,745,000 | 16,390,000 |
| Securities available for sale | 177,383,000 | 188,943,000 | 172,890,000 | 172,377,000 |
| Securities held to maturity | 117,035,000 | 108,059,000 | 110,681,000 | 105,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,046,932,000 | 1,059,444,000 | 1,047,889,000 | 1,056,876,000 |
| Interest-bearing deposits | 782,935,000 | 795,765,000 | 785,124,000 | 800,852,000 |
| Noninterest-bearing deposits | 263,997,000 | 263,679,000 | 262,765,000 | 256,024,000 |
| Equity capital | 163,628,000 | 169,295,000 | 175,677,000 | 166,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 17,148,000 | 34,940,000 | 53,823,000 | 72,597,000 |
| Interest expense | 4,935,000 | 9,906,000 | 14,936,000 | 20,013,000 |
| Net interest income | 12,213,000 | 25,034,000 | 38,887,000 | 52,584,000 |
| Noninterest income | 1,563,000 | 3,108,000 | 4,913,000 | 6,390,000 |
| Noninterest expense | 6,842,000 | 13,775,000 | 20,906,000 | 28,872,000 |
| Provision for loan losses | 951,000 | 1,640,000 | 2,873,000 | 3,670,000 |
| Pretax income | 5,976,000 | 12,809,000 | 20,118,000 | 26,517,000 |
| Income tax | 1,224,000 | 2,675,000 | 4,131,000 | 5,443,000 |
| Net income | 4,752,000 | 10,134,000 | 15,987,000 | 21,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,889,000 | 132,456,000 | 138,491,000 | 129,198,000 |