Home > Liberty Bank > Income and Expense
Liberty Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,170,000 | 4,494 |
| Total interest expense | $3,684,000 | 4,230 |
| Net interest income | $3,486,000 | 4,623 |
| Provision for loan and lease losses | $243,000 | 3,303 |
| Total noninterest income | $558,000 | 4,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $460,000 | 2,911 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 6,478 |
| Total noninterest expense | $2,902,000 | 4,343 |
| Salaries and employee benefits | $1,119,000 | 5,495 |
| Premises and equipment expense | $715,000 | 2,832 |
| Additional noninterest expense | $1,068,000 | 3,791 |
| Pre-tax net operating income | $899,000 | 5,551 |
| Securities gains (losses) | $-14,000 | 8,543 |
| Applicable income taxes | $280,000 | 4,721 |
| Income before extraordinary items | $605,000 | 5,814 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $605,000 | 5,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,031 |
| Cash dividends | $220,000 | 4,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $614,520 | 5,785 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,626,000 | 5,158 |
| Total interest expense | $2,435,000 | 5,277 |
| Net interest income | $3,191,000 | 4,945 |
| Provision for loan and lease losses | $177,000 | 3,878 |
| Total noninterest income | $556,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $471,000 | 2,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,013 |
| Total noninterest expense | $2,506,000 | 4,880 |
| Salaries and employee benefits | $987,000 | 5,948 |
| Premises and equipment expense | $690,000 | 2,900 |
| Additional noninterest expense | $829,000 | 4,657 |
| Pre-tax net operating income | $1,064,000 | 5,118 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $193,000 | 5,788 |
| Income before extraordinary items | $875,000 | 4,823 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $875,000 | 4,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $310,000 | 4,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $871,720 | 4,796 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,849,000 | 5,799 |
| Total interest expense | $2,184,000 | 5,862 |
| Net interest income | $2,665,000 | 5,590 |
| Provision for loan and lease losses | $202,000 | 3,487 |
| Total noninterest income | $532,000 | 4,761 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $452,000 | 2,802 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,189 |
| Total noninterest expense | $2,105,000 | 5,395 |
| Salaries and employee benefits | $804,000 | 6,673 |
| Premises and equipment expense | $563,000 | 3,366 |
| Additional noninterest expense | $738,000 | 4,953 |
| Pre-tax net operating income | $890,000 | 5,770 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $220,000 | 5,952 |
| Income before extraordinary items | $670,000 | 5,730 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $670,000 | 5,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,807 |
| Cash dividends | $110,000 | 6,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $670,000 | 5,631 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,107,000 | 6,556 |
| Total interest expense | $1,817,000 | 6,646 |
| Net interest income | $2,290,000 | 6,380 |
| Provision for loan and lease losses | $160,000 | 3,978 |
| Total noninterest income | $557,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $484,000 | 2,710 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,610 |
| Total noninterest expense | $2,104,000 | 5,454 |
| Salaries and employee benefits | $823,000 | 6,671 |
| Premises and equipment expense | $601,000 | 3,149 |
| Additional noninterest expense | $680,000 | 5,332 |
| Pre-tax net operating income | $583,000 | 7,503 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $132,000 | 7,884 |
| Income before extraordinary items | $451,000 | 7,300 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $451,000 | 7,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,899 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $451,000 | 7,247 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,139,000 | 7,828 |
| Total interest expense | $1,316,000 | 8,060 |
| Net interest income | $1,823,000 | 7,514 |
| Provision for loan and lease losses | $146,000 | 4,145 |
| Total noninterest income | $448,000 | 5,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,432 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 8,436 |
| Total noninterest expense | $1,878,000 | 6,217 |
| Salaries and employee benefits | $719,000 | 7,405 |
| Premises and equipment expense | $582,000 | 3,304 |
| Additional noninterest expense | $577,000 | 6,504 |
| Pre-tax net operating income | $247,000 | 9,506 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $55,000 | 9,603 |
| Income before extraordinary items | $192,000 | 9,375 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $192,000 | 9,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,885 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $192,000 | 9,320 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 8,893 |
| Total interest expense | $966,000 | 9,372 |
| Net interest income | $1,581,000 | 8,302 |
| Provision for loan and lease losses | $114,000 | 4,327 |
| Total noninterest income | $487,000 | 5,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $400,000 | 3,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $1,853,000 | 6,345 |
| Salaries and employee benefits | $624,000 | 8,218 |
| Premises and equipment expense | $520,000 | 3,637 |
| Additional noninterest expense | $709,000 | 5,784 |
| Pre-tax net operating income | $101,000 | 11,082 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $101,000 | 10,924 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $101,000 | 10,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $101,000 | 10,897 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,869,000 | 10,042 |
| Total interest expense | $628,000 | 10,469 |
| Net interest income | $1,241,000 | 9,646 |
| Provision for loan and lease losses | $83,000 | 4,972 |
| Total noninterest income | $441,000 | 5,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,808 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,913 |
| Total noninterest expense | $1,754,000 | 6,819 |
| Salaries and employee benefits | $553,000 | 8,936 |
| Premises and equipment expense | $493,000 | 3,854 |
| Additional noninterest expense | $708,000 | 6,259 |
| Pre-tax net operating income | $-155,000 | 12,235 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-155,000 | 12,194 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-155,000 | 12,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,073 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 920 |
| Net operating income | $-155,000 | 12,221 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,586,000 | 11,022 |
| Total interest expense | $638,000 | 10,931 |
| Net interest income | $948,000 | 10,966 |
| Provision for loan and lease losses | $76,000 | 6,424 |
| Total noninterest income | $499,000 | 5,608 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,306 |
| Total noninterest expense | $1,489,000 | 7,873 |
| Salaries and employee benefits | $514,000 | 9,535 |
| Premises and equipment expense | $485,000 | 3,974 |
| Additional noninterest expense | $490,000 | 8,325 |
| Pre-tax net operating income | $-118,000 | 12,614 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-117,000 | 12,677 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-117,000 | 12,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,803 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,931,000 | 365 |
| Net operating income | $-118,000 | 12,582 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,958,000 | 10,971 |
| Total interest expense | $923,000 | 10,750 |
| Net interest income | $1,035,000 | 10,964 |
| Provision for loan and lease losses | $49,000 | 9,137 |
| Total noninterest income | $586,000 | 5,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,311 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,287 |
| Total noninterest expense | $1,496,000 | 7,931 |
| Salaries and employee benefits | $559,000 | 9,189 |
| Premises and equipment expense | $450,000 | 4,355 |
| Additional noninterest expense | $487,000 | 8,581 |
| Pre-tax net operating income | $76,000 | 12,231 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $14,000 | 12,262 |
| Income before extraordinary items | $62,000 | 12,448 |
| Extraordinary gains, net | $14,000 | 1,291 |
| Net income | $76,000 | 12,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 5,871 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,064 |
| Net operating income | $62,000 | 12,163 |
* 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.