Soy Capital Bank and Trust Company in Decatur, Illinois (IL)



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Soy Capital Bank and Trust Company routing number info

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Soy Capital Bank and Trust Company
GeneralFDIC 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
WWW: http://www.soybank.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)179
Total assets$386,527
Cash and due from depository institutions$54,907
Interest-bearing balances$47,747
Securities$69,182
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$216,375
Loan loss allowance $5,194
Trading account assets$0
Bank premises and fixed assets$12,742
Other real estate owned$5
Goodwill and other intangibles$9,293
All other assets$24,023
Life insurance assets$386,527
Total liabilities and capital$332,780
Total liabilities$276,324
Total deposits$227,990
Interest-bearing deposits$276,324
Deposits held in domestic offices$81
% insured (estimated)30878.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,000
Other borrowed funds $0
Subordinated debt $10,578
All other liabilities $53,747
Total equity capital$53,747
Total bank equity capital$53,747
Perpetual preferred stock$0
Common stock$750
Surplus$5,510
Undivided profits $47,487
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $112
Earning assets $0
Long-term assets (5+ years) $1,615
Average Assets, year-to-date $333,304
Average Assets, quarterly $8,419
Volatile liabilities $386,779
Insider loans $382,523
FHLB advances $274,498
Loans and leases held for sale $381,388
Unused loan commitments $11,972
Tier 1 (core) risk-based capital $11,972
Tier 2 risk-based capital $43,791
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $63,094
Derivatives$6,092
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $15,757
Total interest expense $2,577
Net interest income $13,180
Provision for loan and lease losses $1,485
Total noninterest income $19,710
Fiduciary activities $8,623
Service charges on deposit accounts $1,649
Trading account gains & fees $0
Additional noninterest income $9,438
Total noninterest expense $23,647
Salaries and employee benefits $15,788
Premises and equipment expense $2,059
Additional noninterest expense $5,800
Pre-tax net operating income $7,758
Securities gains (losses) $84
Applicable income taxes $2,836
Income before extraordinary items $5,006
Extraordinary gains - net $0
Net income attributable to bank $5,006
Net charge-offs $0
Cash dividends $5,006
Sale, conversion, retirement of capital stock, net $99
Net operating income $1,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.69%
Cost of funding earning assets 0.77%
Net interest margin 3.92%
Noninterest income to earning assets 5.86%
Noninterest expense to earning assets 7.04%
Net operating income to assets 1.28%
Return on assets (ROA) 1.29%
Pretax return on assets 2.03%
Return on equity (ROE) 9.55%
Retained earnings to average equity (YTD only) 6.69%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 1500.00%
Efficiency ratio93.36%
Assets per employee$71,396
Cash dividends to net income (YTD only)2.16%
Condition Ratios (%)
Loss allowance to loans 29.96%
Loss allowance to noncurrent loans 2.34%
Noncurrent assets plus other real estate owned to assets 4637.50%
Noncurrent loans to loans 0.03%
Net loans and leases to deposits0.05%
Net loans and leases to core deposits 78.30%
Equity capital to assets 81.90%
Core capital (leverage) ratio 13.91%
Tier 1 risk-based capital ratio 11.48%
Total risk-based capital ratio 15.95%
Memoranda
Average assets$17
Average earning assets$386,779
Average equity $52,442
Average loans $336,066
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,547,023
Number of Accounts1
Personal trust and agency accounts$354,282
Employee benefit-defined contribution accounts$296,350
Employee benefit-defined benefit accounts$3,234
Other retirement accounts$409
Corporate trust and agency accounts$12,297
Investment management agency accounts$3,780
Other fiduciary accounts$31,689
Fiduciary accounts held in foreign offices$0
Non-managed Assets$6,523
Number of Accounts1096
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$12,296
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,192,741
Corporate trust and agency accounts$1,175,008
Other fiduciary accounts$11,489
Fiduciary accounts held in foreign offices$5,496
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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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