Call reports 2013
SOY CAPITAL BANK AND TRUST COMPANY — 2013
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 395,696,000 | 394,966,000 | 382,426,000 | 386,171,000 |
| Total loans | 220,851,000 | 214,835,000 | 208,640,000 | 223,373,000 |
| Allowance for loan losses | 4,799,000 | 4,959,000 | 4,956,000 | 4,925,000 |
| Securities available for sale | 81,476,000 | 86,452,000 | 85,192,000 | 83,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,868,000 | 284,026,000 | 277,843,000 | 267,659,000 |
| Interest-bearing deposits | 235,416,000 | 229,099,000 | 217,669,000 | 206,209,000 |
| Noninterest-bearing deposits | 46,452,000 | 54,927,000 | 60,174,000 | 61,450,000 |
| Equity capital | 58,690,000 | 58,662,000 | 59,779,000 | 58,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,879,000 | 5,695,000 | 8,424,000 | 11,184,000 |
| Interest expense | 303,000 | 542,000 | 771,000 | 965,000 |
| Net interest income | 2,576,000 | 5,153,000 | 7,653,000 | 10,219,000 |
| Noninterest income | 6,257,000 | 11,951,000 | 16,534,000 | 21,204,000 |
| Noninterest expense | 5,941,000 | 11,832,000 | 17,399,000 | 23,060,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,892,000 | 5,284,000 | 6,799,000 | 8,374,000 |
| Income tax | 1,094,000 | 1,995,000 | 2,524,000 | 3,088,000 |
| Net income | 1,798,000 | 3,289,000 | 4,275,000 | 5,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,313,000 | 50,343,000 | 51,369,000 | 50,677,000 |
| Total capital | 52,775,000 | 53,797,000 | 54,754,000 | 54,091,000 |
| Risk-weighted assets | 275,600,000 | 274,844,000 | 269,261,000 | 271,635,000 |