Call reports 2003
SYNOVUS BANK — 2003
What SYNOVUS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 4,090,842,000 | 4,176,105,000 | 4,215,004,000 | 4,524,849,000 |
| Total loans | 2,061,223,000 | 2,090,030,000 | 2,074,838,000 | 2,186,904,000 |
| Allowance for loan losses | 27,684,000 | 27,668,000 | 28,797,000 | 31,308,000 |
| Securities available for sale | 258,081,000 | 265,731,000 | 303,550,000 | 320,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,051,666,000 | 2,138,347,000 | 1,955,477,000 | 2,069,502,000 |
| Interest-bearing deposits | 1,780,100,000 | 1,883,963,000 | 1,685,651,000 | 1,826,930,000 |
| Noninterest-bearing deposits | 271,566,000 | 254,384,000 | 269,826,000 | 242,572,000 |
| Equity capital | 746,571,000 | 769,863,000 | 793,546,000 | 816,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 34,879,000 | 68,740,000 | 100,647,000 | 133,678,000 |
| Interest expense | 9,709,000 | 18,484,000 | 25,984,000 | 33,486,000 |
| Net interest income | 25,170,000 | 50,256,000 | 74,663,000 | 100,192,000 |
| Noninterest income | 273,191,000 | 554,884,000 | 845,603,000 | 1,150,869,000 |
| Noninterest expense | 235,492,000 | 474,024,000 | 719,708,000 | 974,748,000 |
| Provision for loan losses | 3,700,000 | 7,150,000 | 11,100,000 | 16,750,000 |
| Pretax income | 59,145,000 | 124,194,000 | 190,041,000 | 260,522,000 |
| Income tax | 21,684,000 | 46,291,000 | 70,557,000 | 96,532,000 |
| Net income | 37,461,000 | 77,903,000 | 119,484,000 | 163,990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 850,170,000 | 850,929,000 | 884,323,000 | 916,246,000 |
| Total capital | 877,854,000 | 878,597,000 | 913,120,000 | 947,554,000 |
| Risk-weighted assets | 4,087,221,000 | 4,324,281,000 | 4,356,765,000 | 4,503,467,000 |