Call reports 2015
SOY CAPITAL BANK AND TRUST COMPANY — 2015
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 431,754,000 | 397,095,000 | 391,017,000 | 396,057,000 |
| Total loans | 213,921,000 | 222,236,000 | 221,333,000 | 219,996,000 |
| Allowance for loan losses | 4,925,000 | 4,982,000 | 4,985,000 | 4,987,000 |
| Securities available for sale | 97,966,000 | 98,824,000 | 96,485,000 | 101,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,255,000 | 287,236,000 | 285,795,000 | 286,203,000 |
| Interest-bearing deposits | 234,074,000 | 226,712,000 | 219,644,000 | 213,199,000 |
| Noninterest-bearing deposits | 70,181,000 | 60,524,000 | 66,151,000 | 73,004,000 |
| Equity capital | 64,876,000 | 64,879,000 | 65,994,000 | 65,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,583,000 | 5,187,000 | 7,806,000 | 10,387,000 |
| Interest expense | 175,000 | 351,000 | 493,000 | 635,000 |
| Net interest income | 2,408,000 | 4,836,000 | 7,313,000 | 9,752,000 |
| Noninterest income | 5,954,000 | 10,715,000 | 15,081,000 | 19,526,000 |
| Noninterest expense | 5,902,000 | 11,565,000 | 17,211,000 | 22,844,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,464,000 | 3,987,000 | 5,175,000 | 6,426,000 |
| Income tax | 887,000 | 1,417,000 | 1,805,000 | 2,201,000 |
| Net income | 1,577,000 | 2,570,000 | 3,370,000 | 4,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,905,000 | 60,165,000 | 60,984,000 | 61,108,000 |
| Total capital | 63,308,000 | 63,712,000 | 64,536,000 | 64,659,000 |
| Risk-weighted assets | 270,732,000 | 282,286,000 | 282,749,000 | 282,625,000 |