Soy Capital Bank and Trust Company in Decatur, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Soy Capital Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 17598
    Status: Active
    Federal Reserve ID: 899736
    Bank Holding Company (Regulatory Top Holder): Scb Bancorp, Inc. (RSSDID: 1129869, Location: Decatur, IL)
    Date Established: May 25, 1956
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 13188
    FDIC's unique #: 11570
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 25, 1956
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1501 East Eldorado Street, Decatur, IL 62525
    County: Macon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Decatur, IL (#2040)
    Core Based Statistical Area (CBSA): Decatur, IL (#19500)
    CBSA Metro Statistical Area: Decatur, IL (#19500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $386.5 mil
    Equity capital: $53.7 mil
    Deposits held in domestic offices: $276.3 mil
    Return on assets (ROA): 1.29% ($5.0 mil)
    Quarterly return on assets: 1.04% ($4.0 mil)
    Return on Equity (ROE): 9.55% ($5.2 mil)
    Quarterly return on equity: 7.40% ($4.0 mil)
    Net income: $5.0 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 2.03% ($7,846.5 mil)
    Quarterly Pretax return on assets: 1.57% ($6,068.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 179Total employees (full-time equivalent)
  • $386,527Total assets
  • $54,907Cash and due from depository institutions
  • $47,747Interest-bearing balances
  • $69,182Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $216,375Net loans & leases
  • $5,194Loan loss allowance
  • $0Trading account assets
  • $12,742Bank premises and fixed assets
  • $5Other real estate owned
  • $9,293Goodwill and other intangibles
  • $386,527Life insurance assets
  • $24,023All other assets
  • $332,780Total liabilities and capital
  • $276,324Total liabilities
  • $227,990Total deposits
  • $276,324Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 30878.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $10,578Subordinated debt
  • $53,747All other liabilities
  • $53,747Total equity capital
  • $53,747Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $5,510Surplus
  • $47,487Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $112Income earned, not collected on loans
  • $0Earning assets
  • $1,615Long-term assets (5+ years)
  • $333,304Average Assets, year-to-date
  • $8,419Average Assets, quarterly
  • $386,779Volatile liabilities
  • $382,523Insider loans
  • $274,498FHLB advances
  • $381,388Loans and leases held for sale
  • $11,972Unused loan commitments
  • $11,972Tier 1 (core) risk-based capital
  • $43,791Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $63,094Restructured Loans and leases
  • $6,092Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,757Total interest income
  • $2,577Total interest expense
  • $13,180Net interest income
  • $1,485Provision for loan and lease losses
  • $19,710Total noninterest income
  • $8,623Fiduciary activities
  • $1,649Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,438Additional noninterest income
  • $23,647Total noninterest expense
  • $15,788Salaries and employee benefits
  • $2,059Premises and equipment expense
  • $5,800Additional noninterest expense
  • $7,758Pre-tax net operating income
  • $84Securities gains (losses)
  • $2,836Applicable income taxes
  • $5,006Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,006Net income attributable to bank
  • $0Net charge-offs
  • $5,006Cash dividends
  • $99Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.92%Net interest margin
  • 5.86%Noninterest income to earning assets
  • 7.04%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 2.03%Pretax return on assets
  • 9.55%Return on equity (ROE)
  • 6.69%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 1500.00%Credit loss provision to net charge-offs
  • 93.36%Efficiency ratio
  • 71,396Assets per employee
  • 2.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.96%Loss allowance to loans
  • 2.34%Loss allowance to noncurrent loans
  • 4637.50%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 78.30%Net loans and leases to core deposits
  • 81.90%Equity capital to assets
  • 13.91%Core capital (leverage) ratio
  • 11.48%Tier 1 risk-based capital ratio
  • 15.95%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $386,779Average earning assets
  • $52,442Average equity
  • $336,066Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,547,023Managed Assets
  • 1Number of Accounts
  • $354,282Personal trust and agency accounts
  • $296,350Employee benefit-defined contribution accounts
  • $3,234Employee benefit-defined benefit accounts
  • $409Other retirement accounts
  • $12,297Corporate trust and agency accounts
  • $3,780Investment management agency accounts
  • $31,689Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $6,523Non-managed Assets
  • 1096Number of Accounts
  • $0Personal trust and agency accounts
  • $12,296Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,192,741Other retirement accounts
  • $1,175,008Corporate trust and agency accounts
  • $11,489Other fiduciary accounts
  • $5,496Fiduciary accounts held in foreign offices

List of branches

  • 11 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011570Soy Capital Bank And Trust Company1501 East Eldorado Street, Decatur, IL 62525May 25, 1956Full Service Brick and Mortar
    344009East Pershing Road Branch560 East Pershing Road, Decatur, IL 62525May 20, 1960Full Service Brick and Mortar
    443492First Federal Branch455 North Main Street, Decatur, IL 62522August 24, 1953Full Service Brick and Mortar
    5242309Route 36 Branch4825 U.S. Route 36 East, Decatur, IL 62521April 15, 1997Full Service Brick and Mortar
    6242310Franklin Street Branch1685 South Franklin Street, Decatur, IL 62525October 25, 1999Full Service Brick and Mortar
    7419643Kankakee Branch125 Moomey Drive Suite 4, Bourbonnais, IL 60914January 16, 2003Full Service Brick and Mortar
    8432412Bloomington Branch2306 E. Washington, Bloomington, IL 61704October 05, 2004Full Service Brick and Mortar
    9439427Forsyth Branch1090 South Route 51, Forsyth, IL 62535Febuary 16, 2005Full Service Brick and Mortar
    11455803Messenger Service1501 East Eldorado Street, Decatur, IL 62521October 16, 2006Limited Service Messenger
    12468671Peoria Branch4530 North University, Peoria, IL 61612October 23, 2007Full Service Brick and Mortar
    13494788Champaign Branch2009 Fox Drive, Suite D, Champaign, IL 61820August 27, 2009Full Service Retail

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