PackageTrendsPeer
Letter portraitLegal landscape

Soy Capital Bank and Trust Company

Decatur, IL · Cert 17598

FDIC · 10 branches

Q1 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Soy Capital Bank and Trust Company

Decatur, IL · Cert 17598

FDIC · 10 branches

Q1 2019

$420.0MAssets
$232.1MLoans
$288.8MDeposits
$71.3MEquity
Loan mix
72%RE $141.9M8%C&I $15.6M20%Consumer $38.2MQ1 2018Q1 2019
Deposit mix
65%Interest-bearing $189.1M35%Noninterest $99.7MQ1 2018Q1 2019

NIM

2.55%Q1 ’172.76%Q1 ’184.56%Q1 ’19+4%+80%

Non-interest income vs. expense

5.84%Q1 ’175.86%Q1 ’182.23%Q1 ’19-19%+644%

Market Position · Decatur, IL · 2018 SOD (annual) · 16.0% share · #3 of 14 inst. · $0.3B of $2.0B

16.0% Macon
0.2% McLean
0.5% Peoria
0.1% Champaign

Executive Summary

  • Earnings: ROA of 1.78%, up 18 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.15% of loans (-16 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.58%, down 367 bps from a year ago.
  • Funding: loans stand at 80.36% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.78%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.41%+196 bps YoY

Efficiency Ratio (YTD, annualized)

41.65%-3,097 bps YoY

Tier 1 Leverage Ratio

11.58%-367 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.60%1.39%1.21%0.34%1.78%+18 bps
Return on Equity9.95%8.90%7.76%2.18%10.89%+94 bps
Net Interest Margin2.44%2.42%2.42%0.54%4.41%+196 bps
Efficiency Ratio72.62%74.51%76.31%43.41%41.65%-3,097 bps
Non-Interest Burden0.25%0.51%0.77%0.04%1.83%+158 bps
Growth
Asset Growth (YoY)1.36%9.11%10.72%3.38%-4.07%-543 bps
Loan Growth (YoY)6.61%2.78%0.09%-2.52%-9.55%-1,616 bps
Deposit Growth (YoY)3.19%13.73%15.75%3.45%-9.27%-1,247 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.29%0.29%0.14%0.15%-16 bps
Net Charge-Offs / Loans-0.01%0.03%0.02%0.00%-0.01%0 bps
Allowance / Loans1.76%1.75%1.77%0.00%0.00%-176 bps
Allowance Coverage of NPLs5.6x6.0x6.0x0.0x0.0x-5.6x
Capital
Tier 1 Leverage Ratio15.25%15.04%15.02%11.12%11.58%-367 bps
Total Risk-Based Capital22.26%22.52%22.91%14.13%16.02%-624 bps
Equity / Assets15.90%14.73%15.47%15.70%16.98%+107 bps
Liquidity & Funding
Loans / Deposits80.61%70.18%74.28%80.12%80.36%-25 bps
Liquid Assets / Assets9.82%16.44%12.58%4.88%7.45%-237 bps
CRE / Total Capitaln/an/an/an/an/an/an/a