Call reports 2023
LOYAL TRUST BANK — 2023
What LOYAL TRUST BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 138,001,000 | 142,371,000 | 158,468,000 | 198,110,000 |
| Total loans | 100,972,000 | 113,862,000 | 123,404,000 | 119,193,000 |
| Allowance for loan losses | 1,221,000 | 1,327,000 | 1,433,000 | 1,490,000 |
| Securities available for sale | 24,719,000 | 23,704,000 | 22,618,000 | 23,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,087,000 | 115,552,000 | 116,321,000 | 134,759,000 |
| Interest-bearing deposits | 101,893,000 | 106,113,000 | 106,945,000 | 125,480,000 |
| Noninterest-bearing deposits | 11,194,000 | 9,439,000 | 9,376,000 | 9,279,000 |
| Equity capital | 24,381,000 | 23,295,000 | 22,468,000 | 23,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,816,000 | 5,934,000 | 8,592,000 |
| Interest expense | 742,000 | 1,742,000 | 2,857,000 | 4,444,000 |
| Net interest income | 1,070,000 | 2,074,000 | 3,077,000 | 4,148,000 |
| Noninterest income | 246,000 | 343,000 | 621,000 | 1,466,000 |
| Noninterest expense | 1,479,000 | 3,145,000 | 4,508,000 | 6,352,000 |
| Provision for loan losses | 79,000 | 185,000 | 291,000 | 348,000 |
| Pretax income | -242,000 | -913,000 | -1,101,000 | -1,086,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -242,000 | -913,000 | -1,101,000 | -1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,862,000 | 24,294,000 | 24,141,000 | 23,877,000 |
| Total capital | 26,083,000 | 25,621,000 | 25,574,000 | 25,367,000 |
| Risk-weighted assets | 111,205,000 | 116,691,000 | 127,246,000 | 123,825,000 |