Home > GS&L Municipal Bank > Performance and Condition Ratios
GS&L Municipal 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 | 4.1140% | 3,771 |
| Cost of funding earning assets | 0.1333% | 4,472 |
| Net interest margin | 3.9808% | 1,237 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 0.4207% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.5064% | 234 |
| Return on assets (ROA) | 2.5064% | 230 |
| Pretax return on assets | 3.0206% | 201 |
| Return on Equity (ROE) | 6.8100% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.8060% | 1,954 |
| 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 | 12.2241% | 4,544 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 60.2400% | 4,436 |
| Equity capital to assets | 39.0282% | 140 |
| Core capital (leverage) ratio | 39.1532% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 184.8084% | 46 |
| Memoranda: | ||
| Average total assets | $34,231,800 | 4,437 |
| Average earning assets | $29,265,600 | 4,422 |
| Average equity | $12,606,600 | 3,477 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 3,618 |
| Cost of funding earning assets | 0.0867% | 4,513 |
| Net interest margin | 4.0371% | 1,165 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 0.4352% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5333% | 263 |
| Return on assets (ROA) | 2.5333% | 257 |
| Pretax return on assets | 3.0539% | 222 |
| Return on Equity (ROE) | 6.9800% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.9819% | 2,292 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 12.4722% | 4,573 |
| Assets per employee ($millions) | NA | NA |
| 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 | 56.0200% | 4,480 |
| Equity capital to assets | 36.0399% | 150 |
| Core capital (leverage) ratio | 37.4441% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 245.8192% | 37 |
| Memoranda: | ||
| Average total assets | $34,315,750 | 4,456 |
| Average earning assets | $29,228,250 | 4,446 |
| Average equity | $12,451,000 | 3,482 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,507 |
| Cost of funding earning assets | 0.0744% | 4,534 |
| Net interest margin | 4.0189% | 1,207 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 0.4542% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6262% | 215 |
| Return on assets (ROA) | 2.6262% | 211 |
| Pretax return on assets | 3.1678% | 180 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.2220% | 2,220 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 12.5402% | 4,596 |
| Assets per employee ($millions) | NA | NA |
| 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 | 55.3100% | 4,509 |
| Equity capital to assets | 36.5253% | 142 |
| Core capital (leverage) ratio | 37.2270% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 251.7728% | 32 |
| Memoranda: | ||
| Average total assets | $34,345,667 | 4,484 |
| Average earning assets | $29,560,000 | 4,473 |
| Average equity | $12,489,667 | 3,491 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,237 |
| Cost of funding earning assets | 0.0798% | 4,557 |
| Net interest margin | 4.0298% | 1,211 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.4779% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5412% | 231 |
| Return on assets (ROA) | 2.5412% | 230 |
| Pretax return on assets | 3.0541% | 192 |
| Return on Equity (ROE) | 7.0000% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.0037% | 2,494 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 13.5314% | 4,663 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| 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 | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 59.9000% | 4,543 |
| Equity capital to assets | 36.7187% | 102 |
| Core capital (leverage) ratio | 36.8478% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 135.5677% | 50 |
| Memoranda: | ||
| Average total assets | $34,314,000 | 4,550 |
| Average earning assets | $30,076,000 | 4,534 |
| Average equity | $12,450,500 | 3,531 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1766% | 4,678 |
| Cost of funding earning assets | 0.0163% | 4,631 |
| Net interest margin | 1.1604% | 4,662 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.0550% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8245% | 3,238 |
| Return on assets (ROA) | 0.8245% | 3,172 |
| Pretax return on assets | 0.9779% | 3,136 |
| Return on Equity (ROE) | 2.3400% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.3372% | 3,907 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 5.3221% | 4,706 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| 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 | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 63.9900% | 4,544 |
| Equity capital to assets | 35.8456% | 105 |
| Core capital (leverage) ratio | 36.5294% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 195.3836% | 44 |
| Memoranda: | ||
| Average total assets | $34,565,000 | 4,581 |
| Average earning assets | $30,765,500 | 4,562 |
| Average equity | $12,194,000 | 3,652 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2011% | 4,740 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 0.2011% | 4,739 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.0000% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1678% | 4,500 |
| Return on assets (ROA) | 0.1678% | 4,470 |
| Pretax return on assets | 0.1792% | 4,477 |
| Return on Equity (ROE) | 0.4800% | 4,532 |
| Retained earnings to average equity (ytd only) | 0.4832% | 4,273 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 0.0000% | 4,746 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| 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 | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 65.2600% | 4,588 |
| Equity capital to assets | 34.7243% | 102 |
| Core capital (leverage) ratio | 35.6692% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 136.0940% | 54 |
| Memoranda: | ||
| Average total assets | $34,964,000 | 4,612 |
| Average earning assets | $31,166,000 | 4,595 |
| Average equity | $12,141,000 | 3,698 |
| Average total loans | $0 | 4,681 |