Call reports 2011
SOY CAPITAL BANK AND TRUST COMPANY — 2011
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 397,678,000 | 389,333,000 | 378,519,000 | 386,527,000 |
| Total loans | 255,345,000 | 253,079,000 | 235,046,000 | 221,569,000 |
| Allowance for loan losses | 4,044,000 | 4,346,000 | 4,724,000 | 5,194,000 |
| Securities available for sale | 66,965,000 | 69,162,000 | 71,158,000 | 69,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,324,000 | 282,711,000 | 276,414,000 | 276,324,000 |
| Interest-bearing deposits | 248,846,000 | 243,281,000 | 235,605,000 | 227,990,000 |
| Noninterest-bearing deposits | 37,478,000 | 39,430,000 | 40,809,000 | 48,334,000 |
| Equity capital | 51,804,000 | 52,869,000 | 53,429,000 | 53,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,002,000 | 8,062,000 | 12,035,000 | 15,757,000 |
| Interest expense | 729,000 | 1,414,000 | 2,035,000 | 2,577,000 |
| Net interest income | 3,273,000 | 6,648,000 | 10,000,000 | 13,180,000 |
| Noninterest income | 5,743,000 | 10,504,000 | 14,953,000 | 19,710,000 |
| Noninterest expense | 6,085,000 | 11,870,000 | 17,714,000 | 23,647,000 |
| Provision for loan losses | 300,000 | 600,000 | 985,000 | 1,485,000 |
| Pretax income | 2,715,000 | 4,766,000 | 6,338,000 | 7,842,000 |
| Income tax | 1,030,000 | 1,764,000 | 2,323,000 | 2,836,000 |
| Net income | 1,685,000 | 3,002,000 | 4,015,000 | 5,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,843,000 | 42,702,000 | 43,258,000 | 43,791,000 |
| Total capital | 45,658,000 | 46,536,000 | 46,886,000 | 47,244,000 |
| Risk-weighted assets | 304,956,000 | 306,198,000 | 289,131,000 | 274,498,000 |