Call reports 2025
LOYAL TRUST BANK — 2025
What LOYAL TRUST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 210,372,000 | 215,388,000 | 233,786,000 | 243,045,000 |
| Total loans | 143,835,000 | 150,879,000 | 154,978,000 | 160,832,000 |
| Allowance for loan losses | 1,544,000 | 1,619,000 | 1,819,000 | 1,900,000 |
| Securities available for sale | 21,727,000 | 20,305,000 | 20,371,000 | 20,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,968,000 | 159,472,000 | 176,671,000 | 186,045,000 |
| Interest-bearing deposits | 147,393,000 | 152,236,000 | 166,510,000 | 176,736,000 |
| Noninterest-bearing deposits | 7,575,000 | 7,236,000 | 10,161,000 | 9,309,000 |
| Equity capital | 24,162,000 | 24,404,000 | 25,115,000 | 25,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,918,000 | 6,112,000 | 9,377,000 | 12,806,000 |
| Interest expense | 1,707,000 | 3,556,000 | 5,445,000 | 7,420,000 |
| Net interest income | 1,211,000 | 2,556,000 | 3,932,000 | 5,386,000 |
| Noninterest income | 542,000 | 1,072,000 | 1,797,000 | 2,246,000 |
| Noninterest expense | 1,286,000 | 2,709,000 | 4,118,000 | 5,983,000 |
| Provision for loan losses | 42,000 | 117,000 | 317,000 | 398,000 |
| Pretax income | 425,000 | 802,000 | 1,294,000 | 1,251,000 |
| Income tax | 124,000 | 227,000 | 357,000 | 319,000 |
| Net income | 301,000 | 575,000 | 937,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,181,000 | 24,374,000 | 24,596,000 | 24,626,000 |
| Total capital | 25,725,000 | 25,993,000 | 26,415,000 | 26,526,000 |
| Risk-weighted assets | 143,158,000 | 146,398,000 | 150,928,000 | 157,907,000 |