Call reports 2008
SOY CAPITAL BANK AND TRUST COMPANY — 2008
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 343,015,000 | 386,694,000 | 363,805,000 | 364,982,000 |
| Total loans | 231,890,000 | 258,615,000 | 238,158,000 | 244,128,000 |
| Allowance for loan losses | 2,194,000 | 2,241,000 | 2,141,000 | 2,443,000 |
| Securities available for sale | 57,538,000 | 64,915,000 | 73,892,000 | 66,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,779,000 | 288,284,000 | 264,997,000 | 265,057,000 |
| Interest-bearing deposits | 218,021,000 | 255,162,000 | 234,125,000 | 232,516,000 |
| Noninterest-bearing deposits | 31,758,000 | 33,122,000 | 30,872,000 | 32,541,000 |
| Equity capital | 44,326,000 | 44,106,000 | 44,771,000 | 46,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,413,000 | 8,924,000 | 13,590,000 | 17,987,000 |
| Interest expense | 1,858,000 | 3,590,000 | 5,533,000 | 7,205,000 |
| Net interest income | 2,555,000 | 5,334,000 | 8,057,000 | 10,782,000 |
| Noninterest income | 4,972,000 | 9,018,000 | 12,521,000 | 16,756,000 |
| Noninterest expense | 5,089,000 | 10,163,000 | 15,283,000 | 20,869,000 |
| Provision for loan losses | 205,000 | 510,000 | 832,000 | 1,297,000 |
| Pretax income | 2,233,000 | 3,679,000 | 4,463,000 | 5,372,000 |
| Income tax | 740,000 | 1,176,000 | 1,335,000 | 1,600,000 |
| Net income | 1,493,000 | 2,503,000 | 3,128,000 | 3,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,448,000 | 36,008,000 | 34,272,000 | 34,424,000 |
| Total capital | 37,642,000 | 38,249,000 | 36,414,000 | 36,867,000 |
| Risk-weighted assets | 285,516,000 | 311,538,000 | 292,067,000 | 303,239,000 |