Call reports 2004
SYNOVUS BANK — 2004
What SYNOVUS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 4,741,164,000 | 4,971,969,000 | 5,178,264,000 | 4,901,172,000 |
| Total loans | 2,227,075,000 | 2,317,521,000 | 2,354,043,000 | 2,396,558,000 |
| Allowance for loan losses | 32,693,000 | 34,199,000 | 33,707,000 | 33,091,000 |
| Securities available for sale | 344,573,000 | 353,761,000 | 352,386,000 | 343,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,136,737,000 | 2,546,566,000 | 2,338,341,000 | 2,447,471,000 |
| Interest-bearing deposits | 1,872,431,000 | 2,295,865,000 | 2,073,076,000 | 2,162,290,000 |
| Noninterest-bearing deposits | 264,306,000 | 250,701,000 | 265,265,000 | 285,181,000 |
| Equity capital | 841,134,000 | 845,651,000 | 881,738,000 | 927,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 35,045,000 | 71,209,000 | 110,576,000 | 153,808,000 |
| Interest expense | 8,017,000 | 16,245,000 | 27,015,000 | 40,701,000 |
| Net interest income | 27,028,000 | 54,964,000 | 83,561,000 | 113,107,000 |
| Noninterest income | 311,174,000 | 632,768,000 | 967,242,000 | 1,304,057,000 |
| Noninterest expense | 271,886,000 | 544,811,000 | 829,034,000 | 1,107,245,000 |
| Provision for loan losses | 2,600,000 | 6,850,000 | 9,700,000 | 11,750,000 |
| Pretax income | 63,716,000 | 136,071,000 | 212,069,000 | 298,169,000 |
| Income tax | 23,069,000 | 51,198,000 | 80,141,000 | 111,229,000 |
| Net income | 40,647,000 | 84,873,000 | 131,928,000 | 186,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 946,089,000 | 962,013,000 | 942,208,000 | 1,014,308,000 |
| Total capital | 978,782,000 | 996,212,000 | 975,915,000 | 1,047,399,000 |
| Risk-weighted assets | 4,655,342,000 | 4,794,221,000 | 4,914,307,000 | 4,918,465,000 |