Call reports 2021
LOYAL TRUST BANK — 2021
What LOYAL TRUST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 105,068,000 | 108,673,000 | 111,350,000 | 113,584,000 |
| Total loans | 69,722,000 | 77,937,000 | 71,570,000 | 60,552,000 |
| Allowance for loan losses | 583,000 | 731,000 | 742,000 | 742,000 |
| Securities available for sale | 1,134,000 | 1,966,000 | 4,538,000 | 4,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,552,000 | 85,916,000 | 87,564,000 | 88,830,000 |
| Interest-bearing deposits | 61,614,000 | 69,986,000 | 72,059,000 | 74,448,000 |
| Noninterest-bearing deposits | 20,938,000 | 15,930,000 | 15,505,000 | 14,382,000 |
| Equity capital | 22,340,000 | 22,483,000 | 23,705,000 | 24,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,166,000 | 2,450,000 | 4,077,000 | 5,254,000 |
| Interest expense | 126,000 | 267,000 | 397,000 | 510,000 |
| Net interest income | 1,040,000 | 2,183,000 | 3,680,000 | 4,744,000 |
| Noninterest income | 332,000 | 607,000 | 1,662,000 | 2,694,000 |
| Noninterest expense | 1,208,000 | 2,410,000 | 3,796,000 | 5,198,000 |
| Provision for loan losses | 92,000 | 240,000 | 251,000 | 251,000 |
| Pretax income | 72,000 | 140,000 | 1,307,000 | 2,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 72,000 | 140,000 | 1,307,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,230,000 | 22,343,000 | 23,256,000 | 23,782,000 |
| Total capital | 22,812,000 | 23,074,000 | 23,998,000 | 24,524,000 |
| Risk-weighted assets | 82,003,000 | 83,088,000 | 80,670,000 | 64,884,000 |