Call reports 2016
SOY CAPITAL BANK AND TRUST COMPANY — 2016
What SOY CAPITAL BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 407,912,000 | 428,146,000 | 409,978,000 | 413,046,000 |
| Total loans | 206,515,000 | 213,800,000 | 227,214,000 | 237,474,000 |
| Allowance for loan losses | 4,886,000 | 4,789,000 | 4,688,000 | 4,577,000 |
| Securities available for sale | 99,897,000 | 103,002,000 | 99,789,000 | 99,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,318,000 | 321,838,000 | 301,638,000 | 294,440,000 |
| Interest-bearing deposits | 223,441,000 | 249,006,000 | 229,516,000 | 221,673,000 |
| Noninterest-bearing deposits | 71,877,000 | 72,832,000 | 72,122,000 | 72,767,000 |
| Equity capital | 67,389,000 | 67,736,000 | 68,401,000 | 67,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,553,000 | 5,174,000 | 7,842,000 | 10,541,000 |
| Interest expense | 172,000 | 353,000 | 531,000 | 709,000 |
| Net interest income | 2,381,000 | 4,821,000 | 7,311,000 | 9,832,000 |
| Noninterest income | 5,419,000 | 10,123,000 | 14,382,000 | 19,182,000 |
| Noninterest expense | 5,949,000 | 11,702,000 | 17,288,000 | 22,990,000 |
| Provision for loan losses | -100,000 | -200,000 | -300,000 | -400,000 |
| Pretax income | 1,951,000 | 3,442,000 | 4,705,000 | 6,424,000 |
| Income tax | 686,000 | 1,185,000 | 1,593,000 | 2,171,000 |
| Net income | 1,265,000 | 2,257,000 | 3,112,000 | 4,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,220,000 | 62,239,000 | 63,122,000 | 63,290,000 |
| Total capital | 65,626,000 | 65,638,000 | 66,730,000 | 67,054,000 |
| Risk-weighted assets | 270,979,000 | 270,549,000 | 287,586,000 | 300,334,000 |