Call reports 2012
SOY CAPITAL BANK AND TRUST COMPANY — 2012
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 413,660,000 | 396,806,000 | 391,001,000 | 380,741,000 |
| Total loans | 222,029,000 | 212,810,000 | 207,185,000 | 213,944,000 |
| Allowance for loan losses | 5,352,000 | 5,368,000 | 5,307,000 | 4,794,000 |
| Securities available for sale | 75,307,000 | 73,131,000 | 76,062,000 | 82,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,132,000 | 287,438,000 | 283,753,000 | 271,427,000 |
| Interest-bearing deposits | 249,424,000 | 242,519,000 | 235,156,000 | 224,127,000 |
| Noninterest-bearing deposits | 48,708,000 | 44,919,000 | 48,597,000 | 47,300,000 |
| Equity capital | 55,573,000 | 56,297,000 | 56,600,000 | 57,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,580,000 | 6,793,000 | 9,841,000 | 12,816,000 |
| Interest expense | 514,000 | 976,000 | 1,424,000 | 1,816,000 |
| Net interest income | 3,066,000 | 5,817,000 | 8,417,000 | 11,000,000 |
| Noninterest income | 5,879,000 | 10,380,000 | 14,599,000 | 19,494,000 |
| Noninterest expense | 5,840,000 | 11,215,000 | 16,610,000 | 22,546,000 |
| Provision for loan losses | 150,000 | 150,000 | 98,000 | 0 |
| Pretax income | 2,955,000 | 4,832,000 | 6,308,000 | 7,948,000 |
| Income tax | 1,115,000 | 1,771,000 | 2,213,000 | 2,787,000 |
| Net income | 1,840,000 | 3,061,000 | 4,095,000 | 5,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,756,000 | 46,517,000 | 46,841,000 | 47,475,000 |
| Total capital | 49,243,000 | 49,892,000 | 50,140,000 | 50,867,000 |
| Risk-weighted assets | 277,098,000 | 268,028,000 | 261,898,000 | 269,971,000 |