Call reports 2022
LOYAL TRUST BANK — 2022
What LOYAL TRUST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 139,374,000 | 125,215,000 | 119,105,000 | 135,640,000 |
| Total loans | 59,701,000 | 68,317,000 | 86,175,000 | 93,080,000 |
| Allowance for loan losses | 742,000 | 817,000 | 1,070,000 | 1,142,000 |
| Securities available for sale | 14,323,000 | 20,159,000 | 22,807,000 | 24,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,828,000 | 101,234,000 | 96,032,000 | 110,945,000 |
| Interest-bearing deposits | 99,808,000 | 87,515,000 | 83,729,000 | 98,726,000 |
| Noninterest-bearing deposits | 15,020,000 | 13,719,000 | 12,303,000 | 12,219,000 |
| Equity capital | 24,393,000 | 23,826,000 | 22,871,000 | 24,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 851,000 | 1,839,000 | 3,210,000 | 4,865,000 |
| Interest expense | 130,000 | 288,000 | 590,000 | 1,161,000 |
| Net interest income | 721,000 | 1,551,000 | 2,620,000 | 3,704,000 |
| Noninterest income | 710,000 | 1,587,000 | 2,061,000 | 2,490,000 |
| Noninterest expense | 1,168,000 | 2,464,000 | 3,781,000 | 5,232,000 |
| Provision for loan losses | 0 | 75,000 | 328,000 | 400,000 |
| Pretax income | 263,000 | 599,000 | 572,000 | 562,000 |
| Income tax | 0 | 22,000 | 115,000 | -1,015,000 |
| Net income | 263,000 | 577,000 | 457,000 | 1,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,966,000 | 24,135,000 | 23,986,000 | 25,048,000 |
| Total capital | 24,708,000 | 24,952,000 | 25,056,000 | 26,189,000 |
| Risk-weighted assets | 60,931,000 | 75,524,000 | 93,155,000 | 104,607,000 |