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Loyal Trust Bank, Income and Expense

2021-12-31 (YTD Data)Rank
Total interest income$5,254,0003,403
Total interest expense$510,0003,148
Net interest income$4,744,0003,406
Provision for loan and lease losses$251,0001,546
Total noninterest income$2,694,0001,921
Gross Fiduciary activities income$0994
Service charges on deposit accounts$75,0003,722
Trading account gains and feesNANA
Additional Noninterest Income$2,619,0001,618
Total noninterest expense$5,198,0002,961
Salaries and employee benefits$3,205,0002,831
Premises and equipment expense$422,0003,263
Additional noninterest expense$1,571,0003,024
Pre-tax net operating income$1,989,0003,153
Securities gains (losses)$12,0001,670
Applicable income taxes$03,710
Income before extraordinary items$2,001,0003,025
Extraordinary gains, net$010
Net income$2,001,0003,025
Minority interest net income$074
Net income of bank and minority interests.$2,001,0003,025
Net charge-offs$02,705
Cash dividends$03,608
Sale, conversion, retirement of capital stock, net$324,000363
Net operating income$1,989,0003,010
2021-09-30 (YTD Data)Rank
Total interest income$4,077,0003,424
Total interest expense$397,0003,192
Net interest income$3,680,0003,410
Provision for loan and lease losses$251,0001,282
Total noninterest income$1,662,0002,154
Gross Fiduciary activities income$0957
Service charges on deposit accounts$52,0003,820
Trading account gains and feesNANA
Additional Noninterest Income$1,610,0001,884
Total noninterest expense$3,796,0003,012
Salaries and employee benefits$2,288,0002,917
Premises and equipment expense$316,0003,304
Additional noninterest expense$1,192,0003,009
Pre-tax net operating income$1,295,0003,440
Securities gains (losses)$12,0001,602
Applicable income taxes$03,719
Income before extraordinary items$1,307,0003,296
Extraordinary gains, net$08
Net income$1,307,0003,295
Minority interest net income$069
Net income of bank and minority interests.$1,307,0003,296
Net charge-offs$02,463
Cash dividends$03,251
Sale, conversion, retirement of capital stock, net$238,000326
Net operating income$1,295,0003,282
2021-06-30 (YTD Data)Rank
Total interest income$2,450,0003,607
Total interest expense$267,0003,252
Net interest income$2,183,0003,617
Provision for loan and lease losses$240,0001,058
Total noninterest income$607,0002,783
Gross Fiduciary activities income$0951
Service charges on deposit accounts$31,0003,894
Trading account gains and feesNANA
Additional Noninterest Income$576,0002,491
Total noninterest expense$2,410,0003,081
Salaries and employee benefits$1,450,0003,000
Premises and equipment expense$212,0003,304
Additional noninterest expense$748,0003,115
Pre-tax net operating income$140,0004,533
Securities gains (losses)$01,818
Applicable income taxes$03,702
Income before extraordinary items$140,0004,525
Extraordinary gains, net$06
Net income$140,0004,524
Minority interest net income$067
Net income of bank and minority interests.$140,0004,525
Net charge-offs$02,245
Cash dividends$03,104
Sale, conversion, retirement of capital stock, net$158,000305
Net operating income$140,0004,509
2021-03-31 (YTD Data)Rank
Total interest income$1,166,0003,669
Total interest expense$126,0003,405
Net interest income$1,040,0003,669
Provision for loan and lease losses$92,0001,304
Total noninterest income$332,0002,685
Gross Fiduciary activities income$0922
Service charges on deposit accounts$15,0003,924
Trading account gains and feesNANA
Additional Noninterest Income$317,0002,393
Total noninterest expense$1,208,0003,080
Salaries and employee benefits$717,0003,000
Premises and equipment expense$104,0003,346
Additional noninterest expense$387,0003,000
Pre-tax net operating income$72,0004,525
Securities gains (losses)$01,392
Applicable income taxes$03,613
Income before extraordinary items$72,0004,513
Extraordinary gains, net$03
Net income$72,0004,512
Minority interest net income$055
Net income of bank and minority interests.$72,0004,513
Net charge-offs$01,930
Cash dividends$02,452
Sale, conversion, retirement of capital stock, net$75,000285
Net operating income$72,0004,496
2020-12-31 (YTD Data)Rank
Total interest income$2,022,0004,546
Total interest expense$215,0004,514
Net interest income$1,807,0004,512
Provision for loan and lease losses$477,0002,293
Total noninterest income$359,0003,898
Gross Fiduciary activities income$01,030
Service charges on deposit accounts$27,0004,496
Trading account gains and feesNANA
Additional Noninterest Income$332,0003,542
Total noninterest expense$4,561,0003,167
Salaries and employee benefits$3,146,0002,869
Premises and equipment expense$424,0003,308
Additional noninterest expense$991,0003,706
Pre-tax net operating income$-2,872,0004,959
Securities gains (losses)$23,0002,058
Applicable income taxes$03,697
Income before extraordinary items$-2,849,0004,954
Extraordinary gains, net$04
Net income$-2,849,0004,954
Minority interest net income$072
Net income of bank and minority interests.$-2,849,0004,954
Net charge-offs$03,443
Cash dividends$03,782
Sale, conversion, retirement of capital stock, net$778,000223
Net operating income$-2,872,0004,951
2020-09-30 (YTD Data)Rank
Total interest income$1,253,0004,693
Total interest expense$132,0004,678
Net interest income$1,121,0004,668
Provision for loan and lease losses$381,0002,200
Total noninterest income$181,0004,209
Gross Fiduciary activities income$0981
Service charges on deposit accounts$18,0004,574
Trading account gains and feesNANA
Additional Noninterest Income$163,0003,876
Total noninterest expense$3,446,0003,131
Salaries and employee benefits$2,409,0002,815
Premises and equipment expense$308,0003,366
Additional noninterest expense$729,0003,724
Pre-tax net operating income$-2,525,0004,983
Securities gains (losses)$22,0001,887
Applicable income taxes$03,696
Income before extraordinary items$-2,503,0004,977
Extraordinary gains, net$04
Net income$-2,503,0004,977
Minority interest net income$065
Net income of bank and minority interests.$-2,503,0004,977
Net charge-offs$03,243
Cash dividends$03,384
Sale, conversion, retirement of capital stock, net$581,000203
Net operating income$-2,525,0004,977
2020-06-30 (YTD Data)Rank
Total interest income$873,0004,715
Total interest expense$62,0004,856
Net interest income$811,0004,650
Provision for loan and lease losses$348,0001,913
Total noninterest income$3,0004,995
Gross Fiduciary activities income$0970
Service charges on deposit accounts$5,0004,815
Trading account gains and feesNANA
Additional Noninterest Income$-2,0005,013
Total noninterest expense$2,241,0003,190
Salaries and employee benefits$1,599,0002,840
Premises and equipment expense$202,0003,389
Additional noninterest expense$440,0003,858
Pre-tax net operating income$-1,775,0004,998
Securities gains (losses)$22,0001,646
Applicable income taxes$03,655
Income before extraordinary items$-1,753,0004,993
Extraordinary gains, net$04
Net income$-1,753,0004,993
Minority interest net income$065
Net income of bank and minority interests.$-1,753,0004,993
Net charge-offs$03,033
Cash dividends$03,237
Sale, conversion, retirement of capital stock, net$386,000185
Net operating income$-1,775,0004,999
2020-03-31 (YTD Data)Rank
Total interest income$139,0005,075
Total interest expense$19,0005,012
Net interest income$120,0005,073
Provision for loan and lease losses$181,0001,512
Total noninterest income$1,0005,045
Gross Fiduciary activities income$0941
Service charges on deposit accounts$1,0004,935
Trading account gains and feesNANA
Additional Noninterest Income$05,006
Total noninterest expense$1,070,0003,291
Salaries and employee benefits$745,0002,964
Premises and equipment expense$100,0003,414
Additional noninterest expense$225,0003,877
Pre-tax net operating income$-1,130,0005,032
Securities gains (losses)$01,705
Applicable income taxes$03,513
Income before extraordinary items$-1,130,0005,014
Extraordinary gains, net$04
Net income$-1,130,0005,014
Minority interest net income$056
Net income of bank and minority interests.$-1,130,0005,014
Net charge-offs$02,581
Cash dividends$02,639
Sale, conversion, retirement of capital stock, net$189,000186
Net operating income$-1,130,0005,037
2019-12-31 (YTD Data)Rank
Total interest income$97,0005,170
Total interest expense$1,0005,166
Net interest income$96,0005,167
Provision for loan and lease losses$14,0003,810
Total noninterest income$-2,0005,140
Gross Fiduciary activities income$01,051
Service charges on deposit accounts$-2,0005,177
Trading account gains and feesNANA
Additional Noninterest Income$05,067
Total noninterest expense$1,791,0004,513
Salaries and employee benefits$1,001,0004,508
Premises and equipment expense$118,0004,771
Additional noninterest expense$672,0004,323
Pre-tax net operating income$-1,711,0005,127
Securities gains (losses)$02,379
Applicable income taxes$03,859
Income before extraordinary items$-1,711,0005,131
Extraordinary gains, net$011
Net income$-1,711,0005,132
Minority interest net income$076
Net income of bank and minority interests.$-1,711,0005,132
Net charge-offs$03,726
Cash dividends$03,944
Sale, conversion, retirement of capital stock, net$25,956,00031
Net operating income$-1,711,0005,126

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.