Call reports 2020
LOYAL TRUST BANK — 2020
What LOYAL TRUST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 30,489,000 | 54,536,000 | 67,263,000 | 65,660,000 |
| Total loans | 11,372,000 | 43,543,000 | 46,836,000 | 44,196,000 |
| Allowance for loan losses | 195,000 | 362,000 | 395,000 | 491,000 |
| Securities available for sale | 3,831,000 | 3,782,000 | 2,541,000 | 1,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,025,000 | 31,389,000 | 44,642,000 | 43,262,000 |
| Interest-bearing deposits | 6,406,000 | 18,018,000 | 37,141,000 | 36,653,000 |
| Noninterest-bearing deposits | 619,000 | 13,371,000 | 7,501,000 | 6,609,000 |
| Equity capital | 23,315,000 | 22,922,000 | 22,348,000 | 22,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 139,000 | 873,000 | 1,253,000 | 2,022,000 |
| Interest expense | 19,000 | 62,000 | 132,000 | 215,000 |
| Net interest income | 120,000 | 811,000 | 1,121,000 | 1,807,000 |
| Noninterest income | 1,000 | 3,000 | 181,000 | 359,000 |
| Noninterest expense | 1,070,000 | 2,241,000 | 3,446,000 | 4,561,000 |
| Provision for loan losses | 181,000 | 348,000 | 381,000 | 477,000 |
| Pretax income | -1,130,000 | -1,753,000 | -2,503,000 | -2,849,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,130,000 | -1,753,000 | -2,503,000 | -2,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,304,000 | 22,877,000 | 22,289,000 | 22,128,000 |
| Total capital | 23,470,000 | 23,239,000 | 22,684,000 | 22,619,000 |
| Risk-weighted assets | 13,255,000 | 46,075,000 | 55,152,000 | 48,095,000 |