Soy Capital Bank and Trust Company

Soy Capital Bank and Trust Company is headquartered in Decatur and is the 99^th largest bank in the state of Illinois. It is also the 1,609^th largest bank in the nation. It was established in 1956 and as of March of 2012, it had grown to 171 employees at 11 locations. Soy Capital Bank and Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Soy Capital Bank and Trust Company FDIC Certificate # 17598 BankRate Report View Year Established 1956 Employees 171 Primary Regulator FDIC Assets and Liabilities Assets $413.66 million Loans $216.68 million Deposits $298.13 million Equity Capital $55.57 million Loan Loss Allowance $5.35 million Unbacked Noncurrent Loans $1.47 million Historic Data - March 2011 Assets $397.68 million Equity Capital $51.80 million Loan Loss Allowance $4.04 million Unbacked Noncurrent Loans $270,000 Real Estate Owned $10,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 1.84% Return on Equity 13.47% Interest Income $3.58 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Soy Capital Bank and Trust Company had $1.47 million in non-current loans and owned real-estate with $60.92 million in equity and loan loss allowances on hand to cover it. This gives Soy Capital Bank and Trust Company a Texas Ratio of 2.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Soy Capital Bank and Trust Company held steady from 0.50% as of March 31, 2011 to 2.41% as of March 31, 2012, resulting in a negative change of 380.27%. This indicates that the balance sheet and financial strength for Soy Capital Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Soy Capital Bank and Trust Company has increased its total deposits by $11.81 million, resulting in 4.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Soy Capital Bank and Trust Company has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Soy Capital Bank and Trust Company has $413.66 million in assets with $60.92 million in equity, resulting in a capitalization level of 14.73%, which is excellent.

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