Call reports 2005
SOY CAPITAL BANK AND TRUST COMPANY — 2005
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 258,896,000 | 261,193,000 | 270,122,000 | 270,293,000 |
| Total loans | 154,731,000 | 170,256,000 | 181,133,000 | 181,279,000 |
| Allowance for loan losses | 1,559,000 | 1,614,000 | 1,677,000 | 1,723,000 |
| Securities available for sale | 47,167,000 | 48,699,000 | 46,117,000 | 42,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,210,000 | 177,631,000 | 192,140,000 | 195,673,000 |
| Interest-bearing deposits | 157,576,000 | 150,660,000 | 168,355,000 | 165,812,000 |
| Noninterest-bearing deposits | 26,634,000 | 26,971,000 | 23,785,000 | 29,861,000 |
| Equity capital | 40,339,000 | 40,936,000 | 41,324,000 | 41,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,808,000 | 5,774,000 | 8,987,000 | 12,351,000 |
| Interest expense | 675,000 | 1,452,000 | 2,435,000 | 3,539,000 |
| Net interest income | 2,133,000 | 4,322,000 | 6,552,000 | 8,812,000 |
| Noninterest income | 4,172,000 | 7,633,000 | 10,806,000 | 14,253,000 |
| Noninterest expense | 4,596,000 | 9,050,000 | 13,437,000 | 17,714,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,634,000 | 2,755,000 | 3,733,000 | 5,088,000 |
| Income tax | 532,000 | 861,000 | 1,139,000 | 1,578,000 |
| Net income | 1,102,000 | 1,894,000 | 2,594,000 | 3,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,181,000 | 32,530,000 | 33,261,000 | 33,723,000 |
| Total capital | 33,740,000 | 34,144,000 | 34,938,000 | 35,446,000 |
| Risk-weighted assets | 216,209,000 | 217,731,000 | 227,758,000 | 227,441,000 |