Call reports 2006
SOY CAPITAL BANK AND TRUST COMPANY — 2006
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 278,579,000 | 278,426,000 | 286,310,000 | 297,704,000 |
| Total loans | 179,641,000 | 183,413,000 | 195,718,000 | 208,903,000 |
| Allowance for loan losses | 1,757,000 | 1,817,000 | 1,787,000 | 1,937,000 |
| Securities available for sale | 43,386,000 | 49,028,000 | 43,677,000 | 41,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,430,000 | 201,484,000 | 201,390,000 | 217,047,000 |
| Interest-bearing deposits | 175,273,000 | 174,597,000 | 170,278,000 | 184,731,000 |
| Noninterest-bearing deposits | 28,157,000 | 26,887,000 | 31,112,000 | 32,316,000 |
| Equity capital | 42,408,000 | 42,485,000 | 43,578,000 | 44,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,409,000 | 6,906,000 | 10,588,000 | 14,578,000 |
| Interest expense | 1,192,000 | 2,476,000 | 3,883,000 | 5,540,000 |
| Net interest income | 2,217,000 | 4,430,000 | 6,705,000 | 9,038,000 |
| Noninterest income | 3,789,000 | 7,568,000 | 10,696,000 | 14,400,000 |
| Noninterest expense | 4,548,000 | 9,301,000 | 13,749,000 | 18,244,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 390,000 |
| Pretax income | 1,383,000 | 2,547,000 | 3,427,000 | 4,804,000 |
| Income tax | 447,000 | 799,000 | 1,042,000 | 1,479,000 |
| Net income | 936,000 | 1,748,000 | 2,385,000 | 3,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,708,000 | 35,069,000 | 35,755,000 | 36,245,000 |
| Total capital | 36,465,000 | 36,886,000 | 37,542,000 | 38,182,000 |
| Risk-weighted assets | 229,396,000 | 233,179,000 | 244,478,000 | 256,719,000 |