Call reports 2004
SOY CAPITAL BANK AND TRUST COMPANY — 2004
What SOY CAPITAL BANK AND TRUST COMPANY 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 | 223,886,000 | 237,327,000 | 238,185,000 | 242,881,000 |
| Total loans | 112,076,000 | 128,439,000 | 146,645,000 | 153,436,000 |
| Allowance for loan losses | 1,396,000 | 1,396,000 | 1,440,000 | 1,500,000 |
| Securities available for sale | 68,615,000 | 71,478,000 | 54,098,000 | 49,163,000 |
| Securities held to maturity | 1,634,000 | 1,625,000 | 647,000 | 647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,183,000 | 148,837,000 | 160,998,000 | 169,940,000 |
| Interest-bearing deposits | 121,064,000 | 127,796,000 | 140,772,000 | 142,577,000 |
| Noninterest-bearing deposits | 22,119,000 | 21,041,000 | 20,226,000 | 27,363,000 |
| Equity capital | 38,921,000 | 38,351,000 | 39,714,000 | 39,680,000 |
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 | 2,329,000 | 4,782,000 | 7,459,000 | 10,200,000 |
| Interest expense | 424,000 | 858,000 | 1,425,000 | 2,019,000 |
| Net interest income | 1,905,000 | 3,924,000 | 6,034,000 | 8,181,000 |
| Noninterest income | 4,074,000 | 7,312,000 | 10,485,000 | 13,852,000 |
| Noninterest expense | 4,262,000 | 8,227,000 | 12,302,000 | 16,651,000 |
| Provision for loan losses | 23,000 | 42,000 | 105,000 | 180,000 |
| Pretax income | 1,694,000 | 2,967,000 | 4,126,000 | 5,179,000 |
| Income tax | 537,000 | 913,000 | 1,251,000 | 1,542,000 |
| Net income | 1,157,000 | 2,054,000 | 2,875,000 | 3,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,986,000 | 29,574,000 | 30,456,000 | 31,019,000 |
| Total capital | 30,382,000 | 30,970,000 | 31,896,000 | 32,519,000 |
| Risk-weighted assets | 172,785,000 | 189,718,000 | 203,186,000 | 210,502,000 |