Synergy Bank, S.S.B.

Synergy Bank, S.S.B. is headquartered in Mckinney and is the 351^st largest bank in the state of Texas. It is also the 4,436^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 39 employees at 4 locations. Synergy Bank, S.S.B. has a 2-star health rating.

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Data for Q1 2012

Institution Statistics Synergy Bank, S.S.B. FDIC Certificate # 34669 BankRate Report View Year Established 1998 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $121.13 million Loans $69.86 million Deposits $101.51 million Equity Capital $17.40 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $7.89 million Real Estate Owned $8.79 million Historic Data - March 2011 Assets $128.22 million Equity Capital $17.50 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $5.23 million Real Estate Owned $10.46 million Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets -0.18% Return on Equity -1.28% Interest Income $1.26 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Synergy Bank, S.S.B. had $16.67 million in non-current loans and owned real-estate with $19.17 million in equity and loan loss allowances on hand to cover it. This gives Synergy Bank, S.S.B. a Texas Ratio of 86.98% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Synergy Bank, S.S.B. held steady from 82.27% as of March 31, 2011 to 86.98% as of March 31, 2012, resulting in a negative change of 5.72%. This indicates that the balance sheet and financial strength for Synergy Bank, S.S.B. has held steady in recent periods. Deposit Growth In the past year, Synergy Bank, S.S.B. has decreased its total deposits by -$4.2 million, resulting in -3.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Synergy Bank, S.S.B. has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Synergy Bank, S.S.B. has $121.13 million in assets with $19.17 million in equity, resulting in a capitalization level of 15.83%, which is excellent.

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