Call reports 2014
SOY CAPITAL BANK AND TRUST COMPANY — 2014
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 423,570,000 | 400,632,000 | 389,475,000 | 401,175,000 |
| Total loans | 220,997,000 | 212,374,000 | 207,056,000 | 220,584,000 |
| Allowance for loan losses | 4,944,000 | 4,948,000 | 4,961,000 | 4,963,000 |
| Securities available for sale | 85,090,000 | 84,176,000 | 91,668,000 | 95,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,928,000 | 283,876,000 | 281,186,000 | 283,244,000 |
| Interest-bearing deposits | 233,679,000 | 224,111,000 | 219,772,000 | 214,227,000 |
| Noninterest-bearing deposits | 70,249,000 | 59,765,000 | 61,414,000 | 69,017,000 |
| Equity capital | 60,546,000 | 61,586,000 | 62,444,000 | 62,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,762,000 | 5,544,000 | 8,146,000 | 10,754,000 |
| Interest expense | 176,000 | 354,000 | 533,000 | 712,000 |
| Net interest income | 2,586,000 | 5,190,000 | 7,613,000 | 10,042,000 |
| Noninterest income | 6,056,000 | 10,942,000 | 15,507,000 | 20,493,000 |
| Noninterest expense | 5,946,000 | 11,587,000 | 17,114,000 | 22,883,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,696,000 | 4,545,000 | 6,006,000 | 7,652,000 |
| Income tax | 1,015,000 | 1,699,000 | 2,214,000 | 2,791,000 |
| Net income | 1,681,000 | 2,846,000 | 3,792,000 | 4,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,153,000 | 53,113,000 | 54,105,000 | 54,619,000 |
| Total capital | 55,530,000 | 56,413,000 | 57,347,000 | 58,065,000 |
| Risk-weighted assets | 269,349,000 | 262,323,000 | 257,639,000 | 274,170,000 |