Home > First Liberty Bank > Income and Expense
First Liberty Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $125,905,000 | 342 |
| Total interest expense | $65,258,000 | 316 |
| Net interest income | $60,647,000 | 365 |
| Provision for loan and lease losses | $9,728,000 | 208 |
| Total noninterest income | $16,605,000 | 453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 7,144 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $16,526,000 | 341 |
| Total noninterest expense | $60,293,000 | 311 |
| Salaries and employee benefits | $32,426,000 | 245 |
| Premises and equipment expense | $8,714,000 | 291 |
| Additional noninterest expense | $19,153,000 | 372 |
| Pre-tax net operating income | $7,231,000 | 1,076 |
| Securities gains (losses) | $5,684,000 | 60 |
| Applicable income taxes | $4,099,000 | 686 |
| Income before extraordinary items | $8,816,000 | 687 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,816,000 | 686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,264,000 | 212 |
| Cash dividends | $10,000,000 | 389 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,950,880 | 1,091 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $111,509,000 | 359 |
| Total interest expense | $60,123,000 | 335 |
| Net interest income | $51,386,000 | 396 |
| Provision for loan and lease losses | $4,570,000 | 345 |
| Total noninterest income | $15,360,000 | 448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $15,360,000 | 344 |
| Total noninterest expense | $43,579,000 | 397 |
| Salaries and employee benefits | $23,292,000 | 324 |
| Premises and equipment expense | $6,513,000 | 354 |
| Additional noninterest expense | $13,774,000 | 465 |
| Pre-tax net operating income | $18,597,000 | 465 |
| Securities gains (losses) | $6,630,000 | 103 |
| Applicable income taxes | $9,200,000 | 364 |
| Income before extraordinary items | $16,027,000 | 395 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $16,027,000 | 395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,299,000 | 267 |
| Cash dividends | $10,000,000 | 381 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $11,783,800 | 476 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $97,939,000 | 407 |
| Total interest expense | $53,725,000 | 369 |
| Net interest income | $44,214,000 | 446 |
| Provision for loan and lease losses | $7,121,000 | 262 |
| Total noninterest income | $14,688,000 | 432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $14,688,000 | 322 |
| Total noninterest expense | $35,314,000 | 447 |
| Salaries and employee benefits | $18,521,000 | 378 |
| Premises and equipment expense | $5,622,000 | 393 |
| Additional noninterest expense | $11,171,000 | 533 |
| Pre-tax net operating income | $16,467,000 | 542 |
| Securities gains (losses) | $1,997,000 | 186 |
| Applicable income taxes | $6,047,000 | 537 |
| Income before extraordinary items | $12,417,000 | 498 |
| Extraordinary gains, net | $-2,811,000 | 10,923 |
| Net income | $9,606,000 | 617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,269,000 | 253 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $11,079,010 | 516 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $79,352,000 | 512 |
| Total interest expense | $43,646,000 | 469 |
| Net interest income | $35,706,000 | 569 |
| Provision for loan and lease losses | $2,066,000 | 600 |
| Total noninterest income | $11,161,000 | 548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $11,161,000 | 401 |
| Total noninterest expense | $33,443,000 | 512 |
| Salaries and employee benefits | $14,784,000 | 489 |
| Premises and equipment expense | $4,916,000 | 474 |
| Additional noninterest expense | $13,743,000 | 525 |
| Pre-tax net operating income | $11,358,000 | 713 |
| Securities gains (losses) | $1,820,000 | 163 |
| Applicable income taxes | $4,862,000 | 605 |
| Income before extraordinary items | $8,316,000 | 677 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,316,000 | 677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,269,000 | 767 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $7,151,200 | 740 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $63,218,000 | 639 |
| Total interest expense | $36,031,000 | 564 |
| Net interest income | $27,187,000 | 731 |
| Provision for loan and lease losses | $1,440,000 | 733 |
| Total noninterest income | $9,516,000 | 619 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $9,516,000 | 442 |
| Total noninterest expense | $24,214,000 | 679 |
| Salaries and employee benefits | $10,366,000 | 679 |
| Premises and equipment expense | $4,287,000 | 559 |
| Additional noninterest expense | $9,561,000 | 711 |
| Pre-tax net operating income | $11,049,000 | 773 |
| Securities gains (losses) | $193,000 | 682 |
| Applicable income taxes | $2,661,000 | 998 |
| Income before extraordinary items | $8,581,000 | 683 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,581,000 | 683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 1,916 |
| Cash dividends | $3,555,000 | 829 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $8,434,320 | 682 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $47,045,000 | 739 |
| Total interest expense | $25,832,000 | 588 |
| Net interest income | $21,213,000 | 880 |
| Provision for loan and lease losses | $1,425,000 | 732 |
| Total noninterest income | $8,904,000 | 644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $8,904,000 | 444 |
| Total noninterest expense | $20,664,000 | 783 |
| Salaries and employee benefits | $8,615,000 | 800 |
| Premises and equipment expense | $3,652,000 | 631 |
| Additional noninterest expense | $8,397,000 | 797 |
| Pre-tax net operating income | $8,028,000 | 959 |
| Securities gains (losses) | $8,000 | 2,362 |
| Applicable income taxes | $1,695,000 | 1,385 |
| Income before extraordinary items | $6,341,000 | 830 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,341,000 | 832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,381,000 | 726 |
| Cash dividends | $2,749,000 | 872 |
| Sale, conversion, retirement of capital stock, net | $6,323,000 | 143 |
| Net operating income | $6,334,680 | 829 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $48,653,000 | 716 |
| Total interest expense | $28,368,000 | 546 |
| Net interest income | $20,285,000 | 916 |
| Provision for loan and lease losses | $1,882,000 | 849 |
| Total noninterest income | $8,201,000 | 695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $8,201,000 | 481 |
| Total noninterest expense | $20,472,000 | 824 |
| Salaries and employee benefits | $8,596,000 | 803 |
| Premises and equipment expense | $3,439,000 | 686 |
| Additional noninterest expense | $8,437,000 | 860 |
| Pre-tax net operating income | $6,132,000 | 1,137 |
| Securities gains (losses) | $11,000 | 5,374 |
| Applicable income taxes | $987,000 | 2,288 |
| Income before extraordinary items | $5,156,000 | 1,002 |
| Extraordinary gains, net | $-521,000 | 13,169 |
| Net income | $4,635,000 | 1,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,743,000 | 595 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,146,760 | 941 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $53,342,000 | 737 |
| Total interest expense | $34,584,000 | 593 |
| Net interest income | $18,758,000 | 991 |
| Provision for loan and lease losses | $3,622,000 | 732 |
| Total noninterest income | $5,345,000 | 932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $5,345,000 | 650 |
| Total noninterest expense | $18,750,000 | 895 |
| Salaries and employee benefits | $7,128,000 | 962 |
| Premises and equipment expense | $2,913,000 | 820 |
| Additional noninterest expense | $8,709,000 | 864 |
| Pre-tax net operating income | $1,731,000 | 3,549 |
| Securities gains (losses) | $266,000 | 1,645 |
| Applicable income taxes | $-102,000 | 13,586 |
| Income before extraordinary items | $2,099,000 | 2,187 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,099,000 | 2,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,568,000 | 655 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,141 |
| Net operating income | $1,833,000 | 2,321 |
* 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.