Home > First Liberty Bank & Trust > Income and Expense
First Liberty Bank & Trust, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $44,215,000 | 803 |
| Total interest expense | $25,128,000 | 722 |
| Net interest income | $19,087,000 | 910 |
| Provision for loan and lease losses | $540,000 | 1,753 |
| Total noninterest income | $2,078,000 | 1,818 |
| Gross Fiduciary activities income | $702,000 | 496 |
| Service charges on deposit accounts | $704,000 | 1,959 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $672,000 | 2,444 |
| Total noninterest expense | $14,791,000 | 960 |
| Salaries and employee benefits | $7,742,000 | 904 |
| Premises and equipment expense | $2,664,000 | 759 |
| Additional noninterest expense | $4,385,000 | 1,075 |
| Pre-tax net operating income | $5,834,000 | 1,269 |
| Securities gains (losses) | $53,000 | 708 |
| Applicable income taxes | $1,295,000 | 1,705 |
| Income before extraordinary items | $4,592,000 | 1,148 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,592,000 | 1,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,215 |
| Cash dividends | $2,802,000 | 1,019 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 635 |
| Net operating income | $4,550,660 | 1,160 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $42,559,000 | 795 |
| Total interest expense | $22,543,000 | 723 |
| Net interest income | $20,016,000 | 881 |
| Provision for loan and lease losses | $720,000 | 1,277 |
| Total noninterest income | $2,019,000 | 1,841 |
| Gross Fiduciary activities income | $666,000 | 558 |
| Service charges on deposit accounts | $683,000 | 1,954 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $670,000 | 2,451 |
| Total noninterest expense | $13,982,000 | 996 |
| Salaries and employee benefits | $7,212,000 | 949 |
| Premises and equipment expense | $2,457,000 | 822 |
| Additional noninterest expense | $4,313,000 | 1,088 |
| Pre-tax net operating income | $7,333,000 | 1,063 |
| Securities gains (losses) | $225,000 | 519 |
| Applicable income taxes | $1,521,000 | 1,581 |
| Income before extraordinary items | $6,037,000 | 928 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,037,000 | 928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,186 |
| Cash dividends | $2,673,000 | 1,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,857,000 | 940 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,739,000 | 1,362 |
| Total interest expense | $12,193,000 | 1,279 |
| Net interest income | $11,546,000 | 1,456 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $702,000 | 3,978 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $485,000 | 2,619 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $217,000 | 4,751 |
| Total noninterest expense | $8,772,000 | 1,517 |
| Salaries and employee benefits | $4,078,000 | 1,634 |
| Premises and equipment expense | $1,270,000 | 1,542 |
| Additional noninterest expense | $3,424,000 | 1,295 |
| Pre-tax net operating income | $3,296,000 | 2,185 |
| Securities gains (losses) | $19,000 | 2,467 |
| Applicable income taxes | $1,057,000 | 2,209 |
| Income before extraordinary items | $2,258,000 | 2,291 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,258,000 | 2,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,799 |
| Cash dividends | $1,238,000 | 1,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,245,080 | 2,227 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,600,000 | 1,451 |
| Total interest expense | $11,288,000 | 1,395 |
| Net interest income | $11,312,000 | 1,521 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $1,068,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $516,000 | 2,552 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $552,000 | 2,644 |
| Total noninterest expense | $7,426,000 | 1,752 |
| Salaries and employee benefits | $3,740,000 | 1,744 |
| Premises and equipment expense | $1,317,000 | 1,480 |
| Additional noninterest expense | $2,369,000 | 1,797 |
| Pre-tax net operating income | $4,774,000 | 1,622 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,290,000 | 1,947 |
| Income before extraordinary items | $3,484,000 | 1,545 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,484,000 | 1,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $595,000 | 1,165 |
| Cash dividends | $1,239,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,484,000 | 1,510 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $22,813,000 | 1,481 |
| Total interest expense | $11,400,000 | 1,422 |
| Net interest income | $11,413,000 | 1,559 |
| Provision for loan and lease losses | $183,000 | 3,607 |
| Total noninterest income | $1,137,000 | 2,809 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $414,000 | 3,241 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $723,000 | 2,247 |
| Total noninterest expense | $7,553,000 | 1,873 |
| Salaries and employee benefits | $3,589,000 | 1,841 |
| Premises and equipment expense | $1,132,000 | 1,779 |
| Additional noninterest expense | $2,832,000 | 1,831 |
| Pre-tax net operating income | $4,814,000 | 1,502 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,308,000 | 1,841 |
| Income before extraordinary items | $3,506,000 | 1,413 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,506,000 | 1,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,212 |
| Cash dividends | $1,106,000 | 1,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,506,000 | 1,377 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,541,000 | 1,569 |
| Total interest expense | $10,283,000 | 1,556 |
| Net interest income | $11,258,000 | 1,592 |
| Provision for loan and lease losses | $365,000 | 1,989 |
| Total noninterest income | $582,000 | 4,675 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $426,000 | 3,154 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $156,000 | 5,872 |
| Total noninterest expense | $6,851,000 | 2,020 |
| Salaries and employee benefits | $3,315,000 | 1,997 |
| Premises and equipment expense | $990,000 | 2,033 |
| Additional noninterest expense | $2,546,000 | 1,965 |
| Pre-tax net operating income | $4,624,000 | 1,604 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,369,000 | 1,785 |
| Income before extraordinary items | $3,255,000 | 1,568 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,255,000 | 1,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,626 |
| Cash dividends | $1,017,000 | 1,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,255,000 | 1,546 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,103,000 | 1,699 |
| Total interest expense | $7,197,000 | 1,754 |
| Net interest income | $10,906,000 | 1,656 |
| Provision for loan and lease losses | $454,000 | 1,660 |
| Total noninterest income | $577,000 | 4,790 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $368,000 | 3,668 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $209,000 | 5,118 |
| Total noninterest expense | $6,720,000 | 2,113 |
| Salaries and employee benefits | $3,077,000 | 2,154 |
| Premises and equipment expense | $932,000 | 2,168 |
| Additional noninterest expense | $2,711,000 | 1,998 |
| Pre-tax net operating income | $4,309,000 | 1,668 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,368,000 | 1,685 |
| Income before extraordinary items | $2,941,000 | 1,660 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,941,000 | 1,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 1,435 |
| Cash dividends | $929,000 | 2,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,941,000 | 1,668 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,401,000 | 1,797 |
| Total interest expense | $7,127,000 | 1,830 |
| Net interest income | $10,274,000 | 1,757 |
| Provision for loan and lease losses | $1,403,000 | 1,049 |
| Total noninterest income | $499,000 | 5,608 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $377,000 | 3,635 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $122,000 | 7,244 |
| Total noninterest expense | $6,265,000 | 2,304 |
| Salaries and employee benefits | $2,885,000 | 2,306 |
| Premises and equipment expense | $881,000 | 2,319 |
| Additional noninterest expense | $2,499,000 | 2,231 |
| Pre-tax net operating income | $3,105,000 | 2,195 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $931,000 | 2,434 |
| Income before extraordinary items | $2,173,000 | 2,302 |
| Extraordinary gains, net | $-3,000 | 12,192 |
| Net income | $2,173,000 | 2,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $936,000 | 1,197 |
| Cash dividends | $905,000 | 1,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,171,600 | 2,168 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,442,000 | 1,931 |
| Total interest expense | $8,599,000 | 1,983 |
| Net interest income | $9,843,000 | 1,861 |
| Provision for loan and lease losses | $1,483,000 | 1,414 |
| Total noninterest income | $410,000 | 6,465 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $271,000 | 4,810 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $139,000 | 6,908 |
| Total noninterest expense | $5,960,000 | 2,435 |
| Salaries and employee benefits | $2,775,000 | 2,337 |
| Premises and equipment expense | $869,000 | 2,373 |
| Additional noninterest expense | $2,316,000 | 2,474 |
| Pre-tax net operating income | $2,810,000 | 2,195 |
| Securities gains (losses) | $388,000 | 1,312 |
| Applicable income taxes | $895,000 | 2,337 |
| Income before extraordinary items | $2,303,000 | 1,990 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,303,000 | 2,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,103,000 | 1,473 |
| Cash dividends | $796,000 | 1,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,023,640 | 2,088 |
* 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.