Call reports 2003
SOY CAPITAL BANK AND TRUST COMPANY — 2003
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 212,457,000 | 214,734,000 | 211,732,000 | 209,659,000 |
| Total loans | 109,441,000 | 108,285,000 | 104,725,000 | 105,284,000 |
| Allowance for loan losses | 1,396,000 | 1,396,000 | 1,396,000 | 1,396,000 |
| Securities available for sale | 57,070,000 | 70,046,000 | 71,703,000 | 64,426,000 |
| Securities held to maturity | 3,301,000 | 2,447,000 | 2,011,000 | 2,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,525,000 | 146,431,000 | 140,049,000 | 141,496,000 |
| Interest-bearing deposits | 126,122,000 | 124,639,000 | 120,923,000 | 118,599,000 |
| Noninterest-bearing deposits | 20,403,000 | 21,792,000 | 19,126,000 | 22,897,000 |
| Equity capital | 36,323,000 | 37,569,000 | 37,388,000 | 37,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,616,000 | 5,190,000 | 7,643,000 | 10,014,000 |
| Interest expense | 660,000 | 1,226,000 | 1,723,000 | 2,190,000 |
| Net interest income | 1,956,000 | 3,964,000 | 5,920,000 | 7,824,000 |
| Noninterest income | 3,245,000 | 6,512,000 | 9,701,000 | 12,805,000 |
| Noninterest expense | 3,596,000 | 7,282,000 | 11,365,000 | 15,534,000 |
| Provision for loan losses | 21,000 | 33,000 | 47,000 | 80,000 |
| Pretax income | 1,584,000 | 3,161,000 | 4,209,000 | 5,015,000 |
| Income tax | 525,000 | 1,024,000 | 1,319,000 | 1,512,000 |
| Net income | 1,059,000 | 2,137,000 | 2,890,000 | 3,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,624,000 | 27,401,000 | 27,463,000 | 27,769,000 |
| Total capital | 28,020,000 | 28,797,000 | 28,859,000 | 29,165,000 |
| Risk-weighted assets | 154,756,000 | 160,387,000 | 161,110,000 | 164,637,000 |