Call reports 2024
LOYAL TRUST BANK — 2024
What LOYAL TRUST BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 200,199,000 | 198,021,000 | 200,147,000 | 192,556,000 |
| Total loans | 121,664,000 | 123,827,000 | 126,940,000 | 139,261,000 |
| Allowance for loan losses | 1,490,000 | 1,495,000 | 1,568,000 | 1,502,000 |
| Securities available for sale | 22,708,000 | 22,412,000 | 22,863,000 | 21,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,422,000 | 134,601,000 | 135,913,000 | 138,256,000 |
| Interest-bearing deposits | 119,580,000 | 125,678,000 | 124,020,000 | 131,033,000 |
| Noninterest-bearing deposits | 16,842,000 | 8,923,000 | 11,893,000 | 7,223,000 |
| Equity capital | 23,419,000 | 23,491,000 | 24,273,000 | 23,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,857,000 | 5,676,000 | 8,753,000 | 11,536,000 |
| Interest expense | 1,756,000 | 3,614,000 | 5,514,000 | 7,198,000 |
| Net interest income | 1,101,000 | 2,062,000 | 3,239,000 | 4,338,000 |
| Noninterest income | 413,000 | 842,000 | 1,122,000 | 1,623,000 |
| Noninterest expense | 1,471,000 | 3,288,000 | 4,899,000 | 6,430,000 |
| Provision for loan losses | 0 | 5,000 | 78,000 | 12,000 |
| Pretax income | 43,000 | -389,000 | -616,000 | -481,000 |
| Income tax | 0 | -365,000 | -426,000 | -390,000 |
| Net income | 43,000 | -24,000 | -190,000 | -91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,919,000 | 23,920,000 | 23,835,000 | 23,933,000 |
| Total capital | 25,409,000 | 25,415,000 | 25,403,000 | 25,435,000 |
| Risk-weighted assets | 126,892,000 | 127,960,000 | 130,019,000 | 137,875,000 |