Home > Community Unity Bank > Performance and Condition Ratios
Community Unity Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1693% | 1,072 |
| Cost of funding earning assets | 2.1025% | 1,980 |
| Net interest margin | 4.0668% | 1,093 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 8.5079% | 131 |
| Loan and lease loss provision to assets | 0.9100% | 85 |
| Net operating income to assets | -5.7253% | 4,458 |
| Return on assets (ROA) | -5.7253% | 4,496 |
| Pretax return on assets | -5.5034% | 4,497 |
| Return on Equity (ROE) | -11.4600% | 4,417 |
| Retained earnings to average equity (ytd only) | -11.4608% | 4,405 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 217.3937% | 46 |
| Assets per employee ($millions) | 4.0173% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 1,910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 60.5800% | 2,883 |
| Net loans and leases to deposits | 95.6804% | 732 |
| Net loans and leases to core deposits | 141.3430% | 234 |
| Total domestic deposits to total assets | 63.3200% | 4,307 |
| Equity capital to assets | 34.3425% | 150 |
| Core capital (leverage) ratio | 38.4370% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.0218% | 95 |
| Memoranda: | ||
| Average total assets | $46,862,200 | 4,251 |
| Average earning assets | $44,137,600 | 4,221 |
| Average equity | $23,410,200 | 2,736 |
| Average total loans | $22,528,000 | 4,185 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2701% | 920 |
| Cost of funding earning assets | 1.9648% | 2,301 |
| Net interest margin | 4.3052% | 802 |
| Noninterest income to average assets | 0.0600% | 4,350 |
| Noninterest expense to average assets | 9.1367% | 120 |
| Loan and lease loss provision to assets | 0.9800% | 71 |
| Net operating income to assets | -6.3044% | 4,497 |
| Return on assets (ROA) | -6.3044% | 4,530 |
| Pretax return on assets | -6.0221% | 4,530 |
| Return on Equity (ROE) | -11.2900% | 4,455 |
| Retained earnings to average equity (ytd only) | -11.2867% | 4,444 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 223.3896% | 45 |
| Assets per employee ($millions) | 3.4484% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 1,961 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 56.5200% | 3,213 |
| Net loans and leases to deposits | 107.2377% | 228 |
| Net loans and leases to core deposits | 141.5025% | 239 |
| Total domestic deposits to total assets | 52.7000% | 4,387 |
| Equity capital to assets | 44.2969% | 132 |
| Core capital (leverage) ratio | 45.4836% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.4982% | 70 |
| Memoranda: | ||
| Average total assets | $42,508,750 | 4,309 |
| Average earning assets | $39,764,750 | 4,290 |
| Average equity | $23,744,250 | 2,701 |
| Average total loans | $18,301,750 | 4,259 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1103% | 1,015 |
| Cost of funding earning assets | 1.6694% | 2,929 |
| Net interest margin | 4.4409% | 674 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 8.4998% | 128 |
| Loan and lease loss provision to assets | 1.2200% | 54 |
| Net operating income to assets | -5.9032% | 4,511 |
| Return on assets (ROA) | -5.9032% | 4,549 |
| Pretax return on assets | -5.5127% | 4,546 |
| Return on Equity (ROE) | -9.6900% | 4,465 |
| Retained earnings to average equity (ytd only) | -9.6914% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 202.1713% | 53 |
| Assets per employee ($millions) | 3.7385% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,005 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 50.0100% | 3,635 |
| Net loans and leases to deposits | 102.2379% | 442 |
| Net loans and leases to core deposits | 137.0398% | 302 |
| Total domestic deposits to total assets | 48.9100% | 4,409 |
| Equity capital to assets | 48.0885% | 130 |
| Core capital (leverage) ratio | 51.9374% | 83 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 97.7031% | 65 |
| Memoranda: | ||
| Average total assets | $39,436,333 | 4,358 |
| Average earning assets | $36,659,333 | 4,336 |
| Average equity | $24,021,333 | 2,648 |
| Average total loans | $14,535,000 | 4,326 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7783% | 1,347 |
| Cost of funding earning assets | 1.0631% | 3,921 |
| Net interest margin | 4.7152% | 458 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 9.1581% | 121 |
| Loan and lease loss provision to assets | 1.0700% | 73 |
| Net operating income to assets | -5.8185% | 4,576 |
| Return on assets (ROA) | -5.8185% | 4,575 |
| Pretax return on assets | -5.8185% | 4,575 |
| Return on Equity (ROE) | -8.3300% | 4,462 |
| Retained earnings to average equity (ytd only) | -8.3297% | 4,251 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 207.8125% | 24 |
| Assets per employee ($millions) | 2.8852% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,033 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 34.4600% | 4,186 |
| Net loans and leases to deposits | 106.6331% | 264 |
| Net loans and leases to core deposits | 140.0022% | 269 |
| Total domestic deposits to total assets | 32.3200% | 4,476 |
| Equity capital to assets | 64.1303% | 118 |
| Core capital (leverage) ratio | 69.5594% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 163.8381% | 50 |
| Memoranda: | ||
| Average total assets | $34,854,500 | 4,416 |
| Average earning assets | $31,982,000 | 4,390 |
| Average equity | $24,346,500 | 2,638 |
| Average total loans | $9,497,000 | 4,403 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 3,527 |
| Cost of funding earning assets | 0.1583% | 4,461 |
| Net interest margin | 4.0920% | 1,084 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 9.9113% | 113 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | -6.4285% | 4,597 |
| Return on assets (ROA) | -6.4285% | 4,595 |
| Pretax return on assets | -6.4285% | 4,594 |
| Return on Equity (ROE) | -7.4900% | 4,487 |
| Retained earnings to average equity (ytd only) | -7.4866% | 4,434 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 265.5362% | 15 |
| Assets per employee ($millions) | 2.6834% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,088 |
| 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 | 18.1100% | 4,416 |
| Net loans and leases to deposits | 95.0929% | 858 |
| Net loans and leases to core deposits | 141.4747% | 264 |
| Total domestic deposits to total assets | 19.0500% | 4,501 |
| Equity capital to assets | 76.5163% | 110 |
| Core capital (leverage) ratio | 82.3484% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 265.0807% | 36 |
| Memoranda: | ||
| Average total assets | $29,229,333 | 4,469 |
| Average earning assets | $26,539,667 | 4,442 |
| Average equity | $25,098,333 | 2,510 |
| Average total loans | $1,968,667 | 4,471 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 3,990 |
| Cost of funding earning assets | 0.0477% | 4,525 |
| Net interest margin | 3.8568% | 1,484 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 9.5636% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -6.0697% | 4,623 |
| Return on assets (ROA) | -6.0697% | 4,622 |
| Pretax return on assets | -6.0697% | 4,622 |
| Return on Equity (ROE) | -6.6500% | 4,516 |
| Retained earnings to average equity (ytd only) | -6.6486% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 273.7276% | 17 |
| Assets per employee ($millions) | 2.3596% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 6.7500% | 4,547 |
| Equity capital to assets | 88.2359% | 82 |
| Core capital (leverage) ratio | 90.3616% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 408.7225% | 21 |
| Memoranda: | ||
| Average total assets | $27,743,500 | 4,504 |
| Average earning assets | $25,132,500 | 4,473 |
| Average equity | $25,328,000 | 2,480 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1553% | 4,511 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 3.1553% | 3,092 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 8.0450% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -5.1965% | 4,646 |
| Return on assets (ROA) | -5.1965% | 4,646 |
| Pretax return on assets | -5.1965% | 4,646 |
| Return on Equity (ROE) | -5.5000% | 4,551 |
| Retained earnings to average equity (ytd only) | -5.5002% | 4,439 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 282.4289% | 14 |
| Assets per employee ($millions) | 2.4702% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| 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 | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0100% | 4,599 |
| Equity capital to assets | 94.4796% | 65 |
| Core capital (leverage) ratio | 1,853.5740% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 359.9551% | 21 |
| Memoranda: | ||
| Average total assets | $27,172,000 | 4,535 |
| Average earning assets | $24,530,000 | 4,506 |
| Average equity | $25,672,000 | 2,486 |
| Average total loans | $0 | 4,533 |