Call reports 2010
SOY CAPITAL BANK AND TRUST COMPANY — 2010
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 364,995,000 | 369,164,000 | 377,909,000 | 381,836,000 |
| Total loans | 236,159,000 | 241,016,000 | 249,817,000 | 257,300,000 |
| Allowance for loan losses | 2,551,000 | 2,755,000 | 3,198,000 | 3,808,000 |
| Securities available for sale | 71,232,000 | 71,585,000 | 70,620,000 | 63,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,313,000 | 273,785,000 | 287,301,000 | 275,987,000 |
| Interest-bearing deposits | 231,654,000 | 235,977,000 | 248,492,000 | 238,594,000 |
| Noninterest-bearing deposits | 34,659,000 | 37,808,000 | 38,809,000 | 37,393,000 |
| Equity capital | 49,147,000 | 49,392,000 | 50,207,000 | 50,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,123,000 | 8,264,000 | 12,468,000 | 16,535,000 |
| Interest expense | 977,000 | 1,936,000 | 2,785,000 | 3,724,000 |
| Net interest income | 3,146,000 | 6,328,000 | 9,683,000 | 12,811,000 |
| Noninterest income | 5,109,000 | 9,594,000 | 13,450,000 | 18,356,000 |
| Noninterest expense | 5,632,000 | 11,464,000 | 16,960,000 | 22,816,000 |
| Provision for loan losses | 330,000 | 705,000 | 1,155,000 | 1,855,000 |
| Pretax income | 2,293,000 | 3,834,000 | 5,099,000 | 6,577,000 |
| Income tax | 786,000 | 1,316,000 | 1,708,000 | 2,133,000 |
| Net income | 1,507,000 | 2,518,000 | 3,391,000 | 4,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,256,000 | 38,560,000 | 39,476,000 | 40,073,000 |
| Total capital | 40,807,000 | 41,315,000 | 42,674,000 | 43,881,000 |
| Risk-weighted assets | 287,711,000 | 297,654,000 | 307,106,000 | 309,821,000 |