Call reports 2001
SOY CAPITAL BANK AND TRUST COMPANY — 2001
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 237,178,000 | 233,871,000 | 239,110,000 | 228,676,000 |
| Total loans | 137,959,000 | 138,912,000 | 139,983,000 | 145,888,000 |
| Allowance for loan losses | 1,211,000 | 1,244,000 | 1,289,000 | 1,310,000 |
| Securities available for sale | 51,135,000 | 58,620,000 | 58,114,000 | 47,475,000 |
| Securities held to maturity | 15,264,000 | 15,428,000 | 13,478,000 | 13,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,297,000 | 156,640,000 | 154,082,000 | 163,507,000 |
| Interest-bearing deposits | 136,807,000 | 135,968,000 | 131,644,000 | 138,107,000 |
| Noninterest-bearing deposits | 22,490,000 | 20,672,000 | 22,438,000 | 25,400,000 |
| Equity capital | 30,367,000 | 30,705,000 | 32,523,000 | 32,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,944,000 | 7,853,000 | 11,622,000 | 15,129,000 |
| Interest expense | 2,118,000 | 4,092,000 | 5,764,000 | 7,142,000 |
| Net interest income | 1,826,000 | 3,761,000 | 5,858,000 | 7,987,000 |
| Noninterest income | 1,838,000 | 3,380,000 | 4,858,000 | 6,433,000 |
| Noninterest expense | 2,490,000 | 5,084,000 | 7,536,000 | 10,026,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,099,000 | 1,907,000 | 2,955,000 | 4,094,000 |
| Income tax | 340,000 | 586,000 | 843,000 | 1,159,000 |
| Net income | 759,000 | 1,321,000 | 2,112,000 | 2,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,949,000 | 27,708,000 | 28,548,000 | 28,860,000 |
| Total capital | 28,160,000 | 28,952,000 | 29,837,000 | 30,170,000 |
| Risk-weighted assets | 154,111,000 | 172,977,000 | 178,866,000 | 177,813,000 |