Call reports 2007
SOY CAPITAL BANK AND TRUST COMPANY — 2007
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 310,561,000 | 312,181,000 | 324,281,000 | 327,462,000 |
| Total loans | 204,269,000 | 209,732,000 | 219,804,000 | 224,518,000 |
| Allowance for loan losses | 1,993,000 | 2,098,000 | 2,198,000 | 1,996,000 |
| Securities available for sale | 50,944,000 | 54,338,000 | 58,231,000 | 54,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,615,000 | 226,130,000 | 223,898,000 | 228,343,000 |
| Interest-bearing deposits | 195,026,000 | 197,945,000 | 193,572,000 | 189,491,000 |
| Noninterest-bearing deposits | 29,589,000 | 28,185,000 | 30,326,000 | 38,852,000 |
| Equity capital | 45,198,000 | 40,431,000 | 41,565,000 | 42,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,104,000 | 8,269,000 | 12,584,000 | 16,978,000 |
| Interest expense | 1,800,000 | 3,672,000 | 5,662,000 | 7,725,000 |
| Net interest income | 2,304,000 | 4,597,000 | 6,922,000 | 9,253,000 |
| Noninterest income | 4,433,000 | 8,756,000 | 12,075,000 | 15,835,000 |
| Noninterest expense | 4,920,000 | 10,018,000 | 14,589,000 | 19,454,000 |
| Provision for loan losses | 175,000 | 380,000 | 485,000 | 590,000 |
| Pretax income | 1,642,000 | 2,955,000 | 3,923,000 | 5,044,000 |
| Income tax | 531,000 | 924,000 | 1,200,000 | 1,527,000 |
| Net income | 1,111,000 | 2,031,000 | 2,723,000 | 3,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,405,000 | 32,823,000 | 33,565,000 | 33,909,000 |
| Total capital | 39,398,000 | 34,921,000 | 35,764,000 | 35,905,000 |
| Risk-weighted assets | 256,244,000 | 262,189,000 | 274,220,000 | 277,460,000 |