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 | 335,618,000 | 344,716,000 | 344,187,000 | 351,546,000 |
| Total loans | 196,284,000 | 205,901,000 | 212,528,000 | 222,468,000 |
| Allowance for loan losses | 2,434,000 | 2,579,000 | 2,714,000 | 2,666,000 |
| Securities available for sale | 30,263,000 | 34,943,000 | 34,390,000 | 33,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,134,000 | 232,104,000 | 229,942,000 | 242,132,000 |
| Interest-bearing deposits | 154,372,000 | 159,544,000 | 168,183,000 | 172,623,000 |
| Noninterest-bearing deposits | 61,762,000 | 72,560,000 | 61,759,000 | 69,509,000 |
| Equity capital | 78,998,000 | 79,217,000 | 80,530,000 | 81,478,000 |
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 | 2,444,000 | 6,127,000 | 10,065,000 | 14,195,000 |
| Interest expense | 525,000 | 1,231,000 | 1,951,000 | 2,710,000 |
| Net interest income | 1,919,000 | 4,896,000 | 8,114,000 | 11,485,000 |
| Noninterest income | 298,000 | 841,000 | 1,241,000 | 1,642,000 |
| Noninterest expense | 1,222,000 | 3,546,000 | 5,606,000 | 7,631,000 |
| Provision for loan losses | 90,000 | 225,000 | 360,000 | 405,000 |
| Pretax income | 905,000 | 1,966,000 | 3,389,000 | 5,091,000 |
| Income tax | 332,000 | 740,000 | 1,281,000 | 1,928,000 |
| Net income | 573,000 | 1,226,000 | 2,108,000 | 3,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,935,000 | 23,103,000 | 24,251,000 | 25,494,000 |
| Total capital | 23,369,000 | 25,682,000 | 26,965,000 | 28,160,000 |
| Risk-weighted assets | 212,388,000 | 224,188,000 | 228,789,000 | 234,510,000 |