Call reports 2009
SOY CAPITAL BANK AND TRUST COMPANY — 2009
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 387,399,000 | 396,745,000 | 359,717,000 | 373,498,000 |
| Total loans | 235,586,000 | 239,502,000 | 238,967,000 | 237,791,000 |
| Allowance for loan losses | 3,262,000 | 3,625,000 | 3,654,000 | 2,386,000 |
| Securities available for sale | 66,639,000 | 81,011,000 | 73,732,000 | 72,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,116,000 | 300,196,000 | 263,555,000 | 266,277,000 |
| Interest-bearing deposits | 257,086,000 | 267,057,000 | 234,107,000 | 222,494,000 |
| Noninterest-bearing deposits | 30,030,000 | 33,139,000 | 29,448,000 | 43,783,000 |
| Equity capital | 46,736,000 | 46,941,000 | 47,874,000 | 47,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,228,000 | 8,395,000 | 12,610,000 | 16,698,000 |
| Interest expense | 1,505,000 | 2,971,000 | 4,213,000 | 5,249,000 |
| Net interest income | 2,723,000 | 5,424,000 | 8,397,000 | 11,449,000 |
| Noninterest income | 5,565,000 | 10,264,000 | 14,494,000 | 18,572,000 |
| Noninterest expense | 5,899,000 | 11,467,000 | 17,148,000 | 22,079,000 |
| Provision for loan losses | 825,000 | 1,250,000 | 1,625,000 | 2,380,000 |
| Pretax income | 1,564,000 | 2,971,000 | 4,119,000 | 5,563,000 |
| Income tax | 501,000 | 948,000 | 1,264,000 | 1,781,000 |
| Net income | 1,063,000 | 2,023,000 | 2,855,000 | 3,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,298,000 | 35,571,000 | 36,465,000 | 36,705,000 |
| Total capital | 38,560,000 | 39,165,000 | 40,046,000 | 39,091,000 |
| Risk-weighted assets | 284,690,000 | 287,470,000 | 286,679,000 | 289,132,000 |