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Locality Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$8,079,0003,115
Total interest expense$3,230,0002,520
Net interest income$4,849,0003,387
Provision for loan and lease losses$584,0001,173
Total noninterest income$339,0003,700
Gross Fiduciary activities income$0981
Service charges on deposit accounts$1,0004,378
Trading account gains and feesNANA
Additional Noninterest Income$338,0003,323
Total noninterest expense$6,928,0002,578
Salaries and employee benefits$4,223,0002,445
Premises and equipment expense$358,0003,399
Additional noninterest expense$338,0003,323
Pre-tax net operating income$-2,324,0004,541
Securities gains (losses)$41,000443
Applicable income taxes$03,369
Income before extraordinary items$-2,283,0004,519
Extraordinary gains, net$054
Net income$-2,283,0004,518
Minority interest net income$088
Net income of bank and minority interests.$-2,283,0004,519
Net charge-offs$02,884
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$223,000355
Net operating income$-2,324,0004,531
2023-09-30 (YTD Data)Rank
Total interest income$5,340,0003,259
Total interest expense$2,006,0002,643
Net interest income$3,334,0003,522
Provision for loan and lease losses$399,0001,151
Total noninterest income$205,0003,845
Gross Fiduciary activities income$0950
Service charges on deposit accounts$04,443
Trading account gains and feesNANA
Additional Noninterest Income$205,0003,464
Total noninterest expense$5,074,0002,600
Salaries and employee benefits$3,105,0002,459
Premises and equipment expense$275,0003,382
Additional noninterest expense$205,0003,463
Pre-tax net operating income$-1,934,0004,538
Securities gains (losses)$41,000287
Applicable income taxes$03,407
Income before extraordinary items$-1,893,0004,557
Extraordinary gains, net$052
Net income$-1,893,0004,555
Minority interest net income$081
Net income of bank and minority interests.$-1,893,0004,557
Net charge-offs$02,641
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$168,000342
Net operating income$-1,934,0004,565
2023-06-30 (YTD Data)Rank
Total interest income$3,239,0003,337
Total interest expense$1,161,0002,664
Net interest income$2,078,0003,610
Provision for loan and lease losses$179,0001,427
Total noninterest income$227,0003,486
Gross Fiduciary activities income$0931
Service charges on deposit accounts$04,471
Trading account gains and feesNANA
Additional Noninterest Income$227,0003,042
Total noninterest expense$3,276,0002,631
Salaries and employee benefits$2,011,0002,501
Premises and equipment expense$179,0003,404
Additional noninterest expense$227,0003,035
Pre-tax net operating income$-1,150,0004,566
Securities gains (losses)$41,000301
Applicable income taxes$03,436
Income before extraordinary items$-1,109,0004,591
Extraordinary gains, net$051
Net income$-1,109,0004,589
Minority interest net income$081
Net income of bank and minority interests.$-1,109,0004,590
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$113,000333
Net operating income$-1,150,0004,595
2023-03-31 (YTD Data)Rank
Total interest income$1,477,0003,450
Total interest expense$485,0002,670
Net interest income$992,0003,679
Provision for loan and lease losses$4,0002,513
Total noninterest income$55,0004,010
Gross Fiduciary activities income$0913
Service charges on deposit accounts$04,484
Trading account gains and feesNANA
Additional Noninterest Income$55,0003,627
Total noninterest expense$1,560,0002,752
Salaries and employee benefits$884,0002,730
Premises and equipment expense$59,0003,874
Additional noninterest expense$55,0003,627
Pre-tax net operating income$-517,0004,615
Securities gains (losses)$0950
Applicable income taxes$03,388
Income before extraordinary items$-517,0004,596
Extraordinary gains, net$04
Net income$-517,0004,596
Minority interest net income$048
Net income of bank and minority interests.$-517,0004,596
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$56,000307
Net operating income$-517,0004,605
2022-12-31 (YTD Data)Rank
Total interest income$2,614,0004,119
Total interest expense$684,0002,873
Net interest income$1,930,0004,244
Provision for loan and lease losses$745,000988
Total noninterest income$220,0004,109
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$1,0004,524
Trading account gains and feesNANA
Additional Noninterest Income$219,0003,758
Total noninterest expense$6,230,0002,699
Salaries and employee benefits$2,529,0003,179
Premises and equipment expense$180,0004,113
Additional noninterest expense$219,0003,758
Pre-tax net operating income$-4,825,0004,701
Securities gains (losses)$0691
Applicable income taxes$03,596
Income before extraordinary items$-4,825,0004,687
Extraordinary gains, net$05
Net income$-4,825,0004,686
Minority interest net income$063
Net income of bank and minority interests.$-4,825,0004,686
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$39,201,00026
Net operating income$-4,825,0004,690
2022-09-30 (YTD Data)Rank
Total interest income$1,281,0004,369
Total interest expense$238,0003,545
Net interest income$1,043,0004,419
Provision for loan and lease losses$610,000852
Total noninterest income$231,0003,923
Gross Fiduciary activities income$0968
Service charges on deposit accounts$1,0004,559
Trading account gains and feesNANA
Additional Noninterest Income$230,0003,535
Total noninterest expense$4,876,0002,615
Salaries and employee benefits$1,780,0003,250
Premises and equipment expense$120,0004,207
Additional noninterest expense$230,0003,535
Pre-tax net operating income$-4,212,0004,750
Securities gains (losses)$0740
Applicable income taxes$03,603
Income before extraordinary items$-4,212,0004,726
Extraordinary gains, net$04
Net income$-4,212,0004,726
Minority interest net income$057
Net income of bank and minority interests.$-4,212,0004,726
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$39,139,00022
Net operating income$-4,212,0004,733
2022-06-30 (YTD Data)Rank
Total interest income$394,0004,659
Total interest expense$13,0004,688
Net interest income$381,0004,647
Provision for loan and lease losses$380,000818
Total noninterest income$22,0004,627
Gross Fiduciary activities income$0925
Service charges on deposit accounts$04,638
Trading account gains and feesNANA
Additional Noninterest Income$22,0004,463
Total noninterest expense$3,491,0002,491
Salaries and employee benefits$1,033,0003,433
Premises and equipment expense$72,0004,299
Additional noninterest expense$2,386,0001,403
Pre-tax net operating income$-3,468,0004,766
Securities gains (losses)$0687
Applicable income taxes$03,564
Income before extraordinary items$-3,468,0004,748
Extraordinary gains, net$04
Net income$-3,468,0004,748
Minority interest net income$060
Net income of bank and minority interests.$-3,468,0004,748
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$39,073,00019
Net operating income$-3,468,0004,758
2022-03-31 (YTD Data)Rank
Total interest income$47,0004,776
Total interest expense$04,770
Net interest income$47,0004,774
Provision for loan and lease losses$85,0001,067
Total noninterest income$04,754
Gross Fiduciary activities income$0892
Service charges on deposit accounts$04,649
Trading account gains and feesNANA
Additional Noninterest Income$04,711
Total noninterest expense$2,384,0002,040
Salaries and employee benefits$401,0003,767
Premises and equipment expense$29,0004,428
Additional noninterest expense$1,954,000938
Pre-tax net operating income$-2,422,0004,790
Securities gains (losses)$0623
Applicable income taxes$03,450
Income before extraordinary items$-2,422,0004,777
Extraordinary gains, net$04
Net income$-2,422,0004,777
Minority interest net income$050
Net income of bank and minority interests.$-2,422,0004,777
Net charge-offs$01,838
Cash dividends$02,284
Sale, conversion, retirement of capital stock, net$38,760,0009
Net operating income$-2,422,0004,781

* 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.