Home > Locality Bank > Income and Expense
Locality Bank, Income and Expense
| 2025-03-31 (YTD Data) | Rank | |
| Total interest income | $4,440,000 | 2,286 |
| Total interest expense | $2,032,000 | 1,864 |
| Net interest income | $2,408,000 | 2,545 |
| Provision for loan and lease losses | $779,000 | 446 |
| Total noninterest income | $215,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 918 |
| Service charges on deposit accounts | $5,000 | 4,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 2,342 |
| Total noninterest expense | $2,492,000 | 2,116 |
| Salaries and employee benefits | $1,593,000 | 1,962 |
| Premises and equipment expense | $90,000 | 3,354 |
| Additional noninterest expense | $210,000 | 2,342 |
| Pre-tax net operating income | $-648,000 | 4,407 |
| Securities gains (losses) | $0 | 665 |
| Applicable income taxes | $-151,000 | 4,392 |
| Income before extraordinary items | $-497,000 | 4,374 |
| Extraordinary gains, net | $0 | 47 |
| Net income | $-497,000 | 4,372 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $-497,000 | 4,374 |
| Net charge-offs | $0 | 2,299 |
| Cash dividends | $0 | 2,364 |
| Sale, conversion, retirement of capital stock, net | $14,879,000 | 37 |
| Net operating income | $-497,000 | 4,387 |
| 2024-12-31 (YTD Data) | Rank | |
| Total interest income | $14,667,000 | 2,502 |
| Total interest expense | $6,884,000 | 2,108 |
| Net interest income | $7,783,000 | 2,759 |
| Provision for loan and lease losses | $1,877,000 | 630 |
| Total noninterest income | $827,000 | 2,924 |
| Gross Fiduciary activities income | $0 | 1,000 |
| Service charges on deposit accounts | $7,000 | 4,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $820,000 | 2,460 |
| Total noninterest expense | $9,146,000 | 2,204 |
| Salaries and employee benefits | $5,617,000 | 2,094 |
| Premises and equipment expense | $359,000 | 3,380 |
| Additional noninterest expense | $820,000 | 2,460 |
| Pre-tax net operating income | $-2,413,000 | 4,434 |
| Securities gains (losses) | $0 | 940 |
| Applicable income taxes | $-2,211,000 | 4,465 |
| Income before extraordinary items | $-202,000 | 4,263 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-202,000 | 4,262 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-202,000 | 4,263 |
| Net charge-offs | $0 | 3,072 |
| Cash dividends | $0 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $233,000 | 384 |
| Net operating income | $-202,000 | 4,279 |
| 2024-09-30 (YTD Data) | Rank | |
| Total interest income | $10,315,000 | 2,570 |
| Total interest expense | $4,790,000 | 2,184 |
| Net interest income | $5,525,000 | 2,829 |
| Provision for loan and lease losses | $1,785,000 | 526 |
| Total noninterest income | $613,000 | 2,894 |
| Gross Fiduciary activities income | $0 | 972 |
| Service charges on deposit accounts | $3,000 | 4,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $610,000 | 2,440 |
| Total noninterest expense | $6,701,000 | 2,211 |
| Salaries and employee benefits | $4,132,000 | 2,100 |
| Premises and equipment expense | $272,000 | 3,368 |
| Additional noninterest expense | $610,000 | 2,440 |
| Pre-tax net operating income | $-2,348,000 | 4,482 |
| Securities gains (losses) | $0 | 930 |
| Applicable income taxes | $0 | 3,278 |
| Income before extraordinary items | $-2,348,000 | 4,468 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-2,348,000 | 4,469 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-2,348,000 | 4,469 |
| Net charge-offs | $0 | 2,823 |
| Cash dividends | $0 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 370 |
| Net operating income | $-2,348,000 | 4,476 |
| 2024-06-30 (YTD Data) | Rank | |
| Total interest income | $6,387,000 | 2,658 |
| Total interest expense | $2,914,000 | 2,269 |
| Net interest income | $3,473,000 | 2,906 |
| Provision for loan and lease losses | $1,285,000 | 465 |
| Total noninterest income | $345,000 | 3,060 |
| Gross Fiduciary activities income | $0 | 962 |
| Service charges on deposit accounts | $1,000 | 4,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $344,000 | 2,581 |
| Total noninterest expense | $4,280,000 | 2,270 |
| Salaries and employee benefits | $2,661,000 | 2,140 |
| Premises and equipment expense | $182,000 | 3,359 |
| Additional noninterest expense | $344,000 | 2,581 |
| Pre-tax net operating income | $-1,747,000 | 4,514 |
| Securities gains (losses) | $0 | 628 |
| Applicable income taxes | $0 | 3,283 |
| Income before extraordinary items | $-1,747,000 | 4,494 |
| Extraordinary gains, net | $0 | 52 |
| Net income | $-1,747,000 | 4,495 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,747,000 | 4,496 |
| Net charge-offs | $0 | 2,587 |
| Cash dividends | $0 | 2,949 |
| Sale, conversion, retirement of capital stock, net | $117,000 | 356 |
| Net operating income | $-1,747,000 | 4,500 |
| 2024-03-31 (YTD Data) | Rank | |
| Total interest income | $3,044,000 | 2,700 |
| Total interest expense | $1,382,000 | 2,305 |
| Net interest income | $1,662,000 | 2,963 |
| Provision for loan and lease losses | $125,000 | 1,082 |
| Total noninterest income | $214,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 895 |
| Service charges on deposit accounts | $0 | 4,363 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 2,304 |
| Total noninterest expense | $2,163,000 | 2,253 |
| Salaries and employee benefits | $1,349,000 | 2,138 |
| Premises and equipment expense | $90,000 | 3,376 |
| Additional noninterest expense | $214,000 | 2,304 |
| Pre-tax net operating income | $-412,000 | 4,482 |
| Securities gains (losses) | $0 | 689 |
| Applicable income taxes | $0 | 3,183 |
| Income before extraordinary items | $-412,000 | 4,465 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-412,000 | 4,465 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $-412,000 | 4,465 |
| Net charge-offs | $0 | 2,217 |
| Cash dividends | $0 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 283 |
| Net operating income | $-412,000 | 4,473 |
| 2023-12-31 (YTD Data) | Rank | |
| Total interest income | $8,079,000 | 3,115 |
| Total interest expense | $3,230,000 | 2,520 |
| Net interest income | $4,849,000 | 3,387 |
| Provision for loan and lease losses | $584,000 | 1,173 |
| Total noninterest income | $339,000 | 3,700 |
| Gross Fiduciary activities income | $0 | 981 |
| Service charges on deposit accounts | $1,000 | 4,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 3,323 |
| Total noninterest expense | $6,928,000 | 2,578 |
| Salaries and employee benefits | $4,223,000 | 2,445 |
| Premises and equipment expense | $358,000 | 3,399 |
| Additional noninterest expense | $338,000 | 3,323 |
| Pre-tax net operating income | $-2,324,000 | 4,541 |
| Securities gains (losses) | $41,000 | 443 |
| Applicable income taxes | $0 | 3,369 |
| Income before extraordinary items | $-2,283,000 | 4,519 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-2,283,000 | 4,518 |
| Minority interest net income | $0 | 88 |
| Net income of bank and minority interests. | $-2,283,000 | 4,519 |
| Net charge-offs | $0 | 2,884 |
| Cash dividends | $0 | 3,459 |
| Sale, conversion, retirement of capital stock, net | $223,000 | 355 |
| Net operating income | $-2,324,000 | 4,531 |
| 2023-09-30 (YTD Data) | Rank | |
| Total interest income | $5,340,000 | 3,259 |
| Total interest expense | $2,006,000 | 2,643 |
| Net interest income | $3,334,000 | 3,522 |
| Provision for loan and lease losses | $399,000 | 1,151 |
| Total noninterest income | $205,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 950 |
| Service charges on deposit accounts | $0 | 4,443 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 3,464 |
| Total noninterest expense | $5,074,000 | 2,600 |
| Salaries and employee benefits | $3,105,000 | 2,459 |
| Premises and equipment expense | $275,000 | 3,382 |
| Additional noninterest expense | $205,000 | 3,463 |
| Pre-tax net operating income | $-1,934,000 | 4,538 |
| Securities gains (losses) | $41,000 | 287 |
| Applicable income taxes | $0 | 3,407 |
| Income before extraordinary items | $-1,893,000 | 4,557 |
| Extraordinary gains, net | $0 | 52 |
| Net income | $-1,893,000 | 4,555 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-1,893,000 | 4,557 |
| Net charge-offs | $0 | 2,641 |
| Cash dividends | $0 | 3,078 |
| Sale, conversion, retirement of capital stock, net | $168,000 | 342 |
| Net operating income | $-1,934,000 | 4,565 |
| 2023-06-30 (YTD Data) | Rank | |
| Total interest income | $3,239,000 | 3,337 |
| Total interest expense | $1,161,000 | 2,664 |
| Net interest income | $2,078,000 | 3,610 |
| Provision for loan and lease losses | $179,000 | 1,427 |
| Total noninterest income | $227,000 | 3,486 |
| Gross Fiduciary activities income | $0 | 931 |
| Service charges on deposit accounts | $0 | 4,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 3,042 |
| Total noninterest expense | $3,276,000 | 2,631 |
| Salaries and employee benefits | $2,011,000 | 2,501 |
| Premises and equipment expense | $179,000 | 3,404 |
| Additional noninterest expense | $227,000 | 3,035 |
| Pre-tax net operating income | $-1,150,000 | 4,566 |
| Securities gains (losses) | $41,000 | 301 |
| Applicable income taxes | $0 | 3,436 |
| Income before extraordinary items | $-1,109,000 | 4,591 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,109,000 | 4,589 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-1,109,000 | 4,590 |
| Net charge-offs | $0 | 2,431 |
| Cash dividends | $0 | 2,952 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 333 |
| Net operating income | $-1,150,000 | 4,595 |
| 2023-03-31 (YTD Data) | Rank | |
| Total interest income | $1,477,000 | 3,450 |
| Total interest expense | $485,000 | 2,670 |
| Net interest income | $992,000 | 3,679 |
| Provision for loan and lease losses | $4,000 | 2,513 |
| Total noninterest income | $55,000 | 4,010 |
| Gross Fiduciary activities income | $0 | 913 |
| Service charges on deposit accounts | $0 | 4,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 3,627 |
| Total noninterest expense | $1,560,000 | 2,752 |
| Salaries and employee benefits | $884,000 | 2,730 |
| Premises and equipment expense | $59,000 | 3,874 |
| Additional noninterest expense | $55,000 | 3,627 |
| Pre-tax net operating income | $-517,000 | 4,615 |
| Securities gains (losses) | $0 | 950 |
| Applicable income taxes | $0 | 3,388 |
| Income before extraordinary items | $-517,000 | 4,596 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-517,000 | 4,596 |
| Minority interest net income | $0 | 48 |
| Net income of bank and minority interests. | $-517,000 | 4,596 |
| Net charge-offs | $0 | 2,062 |
| Cash dividends | $0 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 307 |
| Net operating income | $-517,000 | 4,605 |
| 2022-12-31 (YTD Data) | Rank | |
| Total interest income | $2,614,000 | 4,119 |
| Total interest expense | $684,000 | 2,873 |
| Net interest income | $1,930,000 | 4,244 |
| Provision for loan and lease losses | $745,000 | 988 |
| Total noninterest income | $220,000 | 4,109 |
| Gross Fiduciary activities income | $0 | 1,005 |
| Service charges on deposit accounts | $1,000 | 4,524 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 3,758 |
| Total noninterest expense | $6,230,000 | 2,699 |
| Salaries and employee benefits | $2,529,000 | 3,179 |
| Premises and equipment expense | $180,000 | 4,113 |
| Additional noninterest expense | $219,000 | 3,758 |
| Pre-tax net operating income | $-4,825,000 | 4,701 |
| Securities gains (losses) | $0 | 691 |
| Applicable income taxes | $0 | 3,596 |
| Income before extraordinary items | $-4,825,000 | 4,687 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $-4,825,000 | 4,686 |
| Minority interest net income | $0 | 63 |
| Net income of bank and minority interests. | $-4,825,000 | 4,686 |
| Net charge-offs | $0 | 2,620 |
| Cash dividends | $0 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $39,201,000 | 26 |
| Net operating income | $-4,825,000 | 4,690 |
| 2022-09-30 (YTD Data) | Rank | |
| Total interest income | $1,281,000 | 4,369 |
| Total interest expense | $238,000 | 3,545 |
| Net interest income | $1,043,000 | 4,419 |
| Provision for loan and lease losses | $610,000 | 852 |
| Total noninterest income | $231,000 | 3,923 |
| Gross Fiduciary activities income | $0 | 968 |
| Service charges on deposit accounts | $1,000 | 4,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 3,535 |
| Total noninterest expense | $4,876,000 | 2,615 |
| Salaries and employee benefits | $1,780,000 | 3,250 |
| Premises and equipment expense | $120,000 | 4,207 |
| Additional noninterest expense | $230,000 | 3,535 |
| Pre-tax net operating income | $-4,212,000 | 4,750 |
| Securities gains (losses) | $0 | 740 |
| Applicable income taxes | $0 | 3,603 |
| Income before extraordinary items | $-4,212,000 | 4,726 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-4,212,000 | 4,726 |
| Minority interest net income | $0 | 57 |
| Net income of bank and minority interests. | $-4,212,000 | 4,726 |
| Net charge-offs | $0 | 2,349 |
| Cash dividends | $0 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $39,139,000 | 22 |
| Net operating income | $-4,212,000 | 4,733 |
| 2022-06-30 (YTD Data) | Rank | |
| Total interest income | $394,000 | 4,659 |
| Total interest expense | $13,000 | 4,688 |
| Net interest income | $381,000 | 4,647 |
| Provision for loan and lease losses | $380,000 | 818 |
| Total noninterest income | $22,000 | 4,627 |
| Gross Fiduciary activities income | $0 | 925 |
| Service charges on deposit accounts | $0 | 4,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 4,463 |
| Total noninterest expense | $3,491,000 | 2,491 |
| Salaries and employee benefits | $1,033,000 | 3,433 |
| Premises and equipment expense | $72,000 | 4,299 |
| Additional noninterest expense | $2,386,000 | 1,403 |
| Pre-tax net operating income | $-3,468,000 | 4,766 |
| Securities gains (losses) | $0 | 687 |
| Applicable income taxes | $0 | 3,564 |
| Income before extraordinary items | $-3,468,000 | 4,748 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-3,468,000 | 4,748 |
| Minority interest net income | $0 | 60 |
| Net income of bank and minority interests. | $-3,468,000 | 4,748 |
| Net charge-offs | $0 | 2,156 |
| Cash dividends | $0 | 2,961 |
| Sale, conversion, retirement of capital stock, net | $39,073,000 | 19 |
| Net operating income | $-3,468,000 | 4,758 |
| 2022-03-31 (YTD Data) | Rank | |
| Total interest income | $47,000 | 4,776 |
| Total interest expense | $0 | 4,770 |
| Net interest income | $47,000 | 4,774 |
| Provision for loan and lease losses | $85,000 | 1,067 |
| Total noninterest income | $0 | 4,754 |
| Gross Fiduciary activities income | $0 | 892 |
| Service charges on deposit accounts | $0 | 4,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 4,711 |
| Total noninterest expense | $2,384,000 | 2,040 |
| Salaries and employee benefits | $401,000 | 3,767 |
| Premises and equipment expense | $29,000 | 4,428 |
| Additional noninterest expense | $1,954,000 | 938 |
| Pre-tax net operating income | $-2,422,000 | 4,790 |
| Securities gains (losses) | $0 | 623 |
| Applicable income taxes | $0 | 3,450 |
| Income before extraordinary items | $-2,422,000 | 4,777 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $-2,422,000 | 4,777 |
| Minority interest net income | $0 | 50 |
| Net income of bank and minority interests. | $-2,422,000 | 4,777 |
| Net charge-offs | $0 | 1,838 |
| Cash dividends | $0 | 2,284 |
| Sale, conversion, retirement of capital stock, net | $38,760,000 | 9 |
| Net operating income | $-2,422,000 | 4,781 |
* 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.