Call reports 2002
SOY CAPITAL BANK AND TRUST COMPANY — 2002
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 219,575,000 | 233,704,000 | 212,879,000 | 211,857,000 |
| Total loans | 132,349,000 | 131,304,000 | 124,751,000 | 118,276,000 |
| Allowance for loan losses | 1,355,000 | 1,353,000 | 1,356,000 | 1,396,000 |
| Securities available for sale | 43,682,000 | 58,694,000 | 50,286,000 | 49,984,000 |
| Securities held to maturity | 10,489,000 | 8,010,000 | 6,852,000 | 4,861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,950,000 | 154,578,000 | 144,652,000 | 150,573,000 |
| Interest-bearing deposits | 135,810,000 | 131,283,000 | 123,194,000 | 125,575,000 |
| Noninterest-bearing deposits | 25,140,000 | 23,295,000 | 21,458,000 | 24,998,000 |
| Equity capital | 32,677,000 | 34,150,000 | 35,203,000 | 35,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,334,000 | 6,482,000 | 9,495,000 | 12,378,000 |
| Interest expense | 1,260,000 | 2,306,000 | 3,262,000 | 4,074,000 |
| Net interest income | 2,074,000 | 4,176,000 | 6,233,000 | 8,304,000 |
| Noninterest income | 1,579,000 | 4,315,000 | 7,045,000 | 9,753,000 |
| Noninterest expense | 2,457,000 | 5,979,000 | 9,833,000 | 13,517,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,121,000 | 2,362,000 | 3,220,000 | 4,240,000 |
| Income tax | 329,000 | 577,000 | 847,000 | 1,126,000 |
| Net income | 792,000 | 1,785,000 | 2,373,000 | 3,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,671,000 | 24,423,000 | 24,716,000 | 25,547,000 |
| Total capital | 31,026,000 | 25,776,000 | 26,072,000 | 26,943,000 |
| Risk-weighted assets | 165,148,000 | 171,833,000 | 166,323,000 | 160,332,000 |