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Locality Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7760% | 857 |
| Cost of funding earning assets | 2.3092% | 534 |
| Net interest margin | 3.4667% | 2,262 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 4.7815% | 243 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | -1.6040% | 4,559 |
| Return on assets (ROA) | -1.5757% | 4,551 |
| Pretax return on assets | -1.5757% | 4,548 |
| Return on Equity (ROE) | -6.8500% | 4,483 |
| Retained earnings to average equity (ytd only) | -6.8549% | 4,426 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 133.5389% | 58 |
| Assets per employee ($millions) | 6.1974% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,441 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.3700% | 2,109 |
| Net loans and leases to deposits | 81.5461% | 1,987 |
| Net loans and leases to core deposits | 88.0814% | 2,172 |
| Total domestic deposits to total assets | 82.6100% | 2,986 |
| Equity capital to assets | 16.8213% | 395 |
| Core capital (leverage) ratio | 18.7847% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $144,892,200 | 3,412 |
| Average earning assets | $139,873,000 | 3,347 |
| Average equity | $33,304,600 | 2,126 |
| Average total loans | $95,875,800 | 3,218 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5714% | 936 |
| Cost of funding earning assets | 2.0929% | 599 |
| Net interest margin | 3.4785% | 2,257 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 5.0833% | 223 |
| Loan and lease loss provision to assets | 0.4000% | 207 |
| Net operating income to assets | -1.9376% | 4,592 |
| Return on assets (ROA) | -1.8965% | 4,586 |
| Pretax return on assets | -1.8965% | 4,585 |
| Return on Equity (ROE) | -7.5200% | 4,523 |
| Retained earnings to average equity (ytd only) | -7.5226% | 4,472 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 143.3738% | 46 |
| Assets per employee ($millions) | 5.4573% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,506 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.1000% | 1,935 |
| Net loans and leases to deposits | 86.9875% | 1,471 |
| Net loans and leases to core deposits | 95.3024% | 1,595 |
| Total domestic deposits to total assets | 79.4300% | 3,617 |
| Equity capital to assets | 19.8115% | 290 |
| Core capital (leverage) ratio | 23.0310% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $133,085,250 | 3,529 |
| Average earning assets | $127,793,000 | 3,475 |
| Average equity | $33,551,500 | 2,101 |
| Average total loans | $87,170,000 | 3,333 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4932% | 841 |
| Cost of funding earning assets | 1.9690% | 527 |
| Net interest margin | 3.5242% | 2,214 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 5.3323% | 203 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | -1.8718% | 4,625 |
| Return on assets (ROA) | -1.8051% | 4,621 |
| Pretax return on assets | -1.8051% | 4,615 |
| Return on Equity (ROE) | -6.5400% | 4,560 |
| Retained earnings to average equity (ytd only) | -6.5382% | 4,461 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 142.1258% | 45 |
| Assets per employee ($millions) | 4.5032% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.6300% | 1,894 |
| Net loans and leases to deposits | 93.2286% | 931 |
| Net loans and leases to core deposits | 95.9708% | 1,469 |
| Total domestic deposits to total assets | 73.6200% | 4,217 |
| Equity capital to assets | 25.4935% | 188 |
| Core capital (leverage) ratio | 26.4260% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3687% | 201 |
| Memoranda: | ||
| Average total assets | $122,874,333 | 3,649 |
| Average earning assets | $117,928,000 | 3,593 |
| Average equity | $33,923,667 | 2,098 |
| Average total loans | $78,150,667 | 3,442 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1786% | 980 |
| Cost of funding earning assets | 1.7005% | 576 |
| Net interest margin | 3.4781% | 2,426 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 5.2431% | 216 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -1.7376% | 4,642 |
| Return on assets (ROA) | -1.7376% | 4,637 |
| Pretax return on assets | -1.7376% | 4,634 |
| Return on Equity (ROE) | -6.0400% | 4,564 |
| Retained earnings to average equity (ytd only) | -6.0399% | 4,367 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 148.9971% | 42 |
| Assets per employee ($millions) | 4.8658% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,626 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.6300% | 2,390 |
| Net loans and leases to deposits | 88.0657% | 1,202 |
| Net loans and leases to core deposits | 88.0657% | 1,735 |
| Total domestic deposits to total assets | 71.1200% | 4,387 |
| Equity capital to assets | 27.9767% | 129 |
| Core capital (leverage) ratio | 29.0199% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2638% | 190 |
| Memoranda: | ||
| Average total assets | $119,014,500 | 3,733 |
| Average earning assets | $114,085,000 | 3,679 |
| Average equity | $34,239,000 | 2,106 |
| Average total loans | $71,969,500 | 3,574 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1848% | 3,840 |
| Cost of funding earning assets | 0.8334% | 348 |
| Net interest margin | 2.3514% | 4,392 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 7.2781% | 146 |
| Loan and lease loss provision to assets | 0.8700% | 50 |
| Net operating income to assets | -5.6367% | 4,710 |
| Return on assets (ROA) | -5.6367% | 4,710 |
| Pretax return on assets | -5.6367% | 4,710 |
| Return on Equity (ROE) | -13.6600% | 4,679 |
| Retained earnings to average equity (ytd only) | -13.6573% | 4,666 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 289.7674% | 22 |
| Assets per employee ($millions) | 5.8193% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 2,843 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.9300% | 2,923 |
| Net loans and leases to deposits | 81.8640% | 1,628 |
| Net loans and leases to core deposits | 81.8640% | 2,013 |
| Total domestic deposits to total assets | 69.5400% | 4,480 |
| Equity capital to assets | 29.5966% | 119 |
| Core capital (leverage) ratio | 29.0125% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2243% | 146 |
| Memoranda: | ||
| Average total assets | $85,599,000 | 4,066 |
| Average earning assets | $82,078,000 | 4,018 |
| Average equity | $35,329,000 | 2,097 |
| Average total loans | $41,695,250 | 4,034 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3676% | 4,512 |
| Cost of funding earning assets | 0.4399% | 1,032 |
| Net interest margin | 1.9278% | 4,574 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 8.6295% | 125 |
| Loan and lease loss provision to assets | 1.0800% | 37 |
| Net operating income to assets | -7.4543% | 4,754 |
| Return on assets (ROA) | -7.4543% | 4,753 |
| Pretax return on assets | -7.4543% | 4,753 |
| Return on Equity (ROE) | -15.7600% | 4,722 |
| Retained earnings to average equity (ytd only) | -15.7646% | 4,716 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 382.7316% | 16 |
| Assets per employee ($millions) | 5.4875% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 2,947 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.3100% | 3,508 |
| Net loans and leases to deposits | 73.2845% | 2,106 |
| Net loans and leases to core deposits | 73.2845% | 2,403 |
| Total domestic deposits to total assets | 67.2800% | 4,572 |
| Equity capital to assets | 31.8244% | 112 |
| Core capital (leverage) ratio | 36.9246% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.2445% | 87 |
| Memoranda: | ||
| Average total assets | $75,337,000 | 4,214 |
| Average earning assets | $72,137,333 | 4,163 |
| Average equity | $35,623,333 | 2,118 |
| Average total loans | $33,260,333 | 4,208 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4273% | 4,715 |
| Cost of funding earning assets | 0.0471% | 4,614 |
| Net interest margin | 1.3802% | 4,695 |
| Noninterest income to average assets | 0.0757% | 4,569 |
| Noninterest expense to average assets | 12.0108% | 59 |
| Loan and lease loss provision to assets | 1.3074% | 32 |
| Net operating income to assets | -11.9317% | 4,764 |
| Return on assets (ROA) | -11.9317% | 4,764 |
| Pretax return on assets | -11.9317% | 4,763 |
| Return on Equity (ROE) | -19.2819% | 4,747 |
| Retained earnings to average equity (ytd only) | -19.2819% | 4,725 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 866.2531% | 11 |
| Assets per employee ($millions) | 4.0271% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.2145% | 3,355 |
| Net loans and leases to deposits | 101.4748% | 227 |
| Net loans and leases to core deposits | 101.4748% | 612 |
| Total domestic deposits to total assets | 49.4847% | 4,723 |
| Equity capital to assets | 49.1192% | 43 |
| Core capital (leverage) ratio | 68.4567% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 91.7189% | 32 |
| Memoranda: | ||
| Average total assets | $58,131,000 | 4,433 |
| Average earning assets | $55,210,000 | 4,411 |
| Average equity | $35,971,500 | 2,157 |
| Average total loans | $22,528,500 | 4,456 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4553% | 4,783 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.4553% | 4,780 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 21.7841% | 34 |
| Loan and lease loss provision to assets | 0.7767% | 53 |
| Net operating income to assets | -22.1314% | 4,794 |
| Return on assets (ROA) | -22.1314% | 4,794 |
| Pretax return on assets | -22.1314% | 4,794 |
| Return on Equity (ROE) | -26.6608% | 4,782 |
| Retained earnings to average equity (ytd only) | -26.6608% | 4,737 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5,072.3404% | 1 |
| Assets per employee ($millions) | 3.6479% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 18.7162% | 4,687 |
| Net loans and leases to deposits | 126.9052% | 25 |
| Net loans and leases to core deposits | 126.9052% | 109 |
| Total domestic deposits to total assets | 14.7481% | 4,775 |
| Equity capital to assets | 83.0109% | 21 |
| Core capital (leverage) ratio | 103.0368% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 342.4824% | 8 |
| Memoranda: | ||
| Average total assets | $43,775,000 | 4,598 |
| Average earning assets | $41,293,000 | 4,579 |
| Average equity | $36,338,000 | 2,201 |
| Average total loans | $8,278,000 | 4,709 |