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Liberty Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$20,740,0001,639
Total interest expense$12,891,0001,258
Net interest income$7,849,0002,284
Provision for loan and lease losses$40,0006,926
Total noninterest income$1,008,0003,320
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0177
Additional Noninterest Income$1,008,0002,031
Total noninterest expense$7,248,0001,981
Salaries and employee benefits$3,719,0002,020
Premises and equipment expense$1,943,0001,095
Additional noninterest expense$1,586,0002,735
Pre-tax net operating income$1,569,0003,740
Securities gains (losses)$123,0001,581
Applicable income taxes$590,0003,007
Income before extraordinary items$1,102,0004,027
Extraordinary gains, net$0105
Net income$1,102,0004,029
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$75,0004,516
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,022,0504,110
2000-12-31 (YTD Data)Rank
Total interest income$19,526,0001,776
Total interest expense$12,392,0001,398
Net interest income$7,134,0002,498
Provision for loan and lease losses$120,0004,828
Total noninterest income$646,0004,222
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$646,0002,512
Total noninterest expense$6,152,0002,231
Salaries and employee benefits$3,026,0002,367
Premises and equipment expense$1,598,0001,278
Additional noninterest expense$1,528,0002,765
Pre-tax net operating income$1,508,0004,060
Securities gains (losses)$01,956
Applicable income taxes$499,0003,491
Income before extraordinary items$1,009,0004,356
Extraordinary gains, net$038
Net income$1,009,0004,358
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0006,846
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,009,0004,357
1999-12-31 (YTD Data)Rank
Total interest income$18,012,0001,808
Total interest expense$11,050,0001,356
Net interest income$6,962,0002,526
Provision for loan and lease losses$60,0006,124
Total noninterest income$543,0004,720
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$543,0002,802
Total noninterest expense$5,298,0002,559
Salaries and employee benefits$2,654,0002,665
Premises and equipment expense$1,265,0001,615
Additional noninterest expense$1,379,0003,076
Pre-tax net operating income$2,147,0003,165
Securities gains (losses)$03,155
Applicable income taxes$807,0002,622
Income before extraordinary items$1,340,0003,550
Extraordinary gains, net$035
Net income$1,340,0003,550
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0005,975
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,340,0003,515
1998-12-31 (YTD Data)Rank
Total interest income$16,000,0002,037
Total interest expense$9,913,0001,538
Net interest income$6,087,0002,823
Provision for loan and lease losses$60,0006,123
Total noninterest income$489,0005,000
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$489,0003,019
Total noninterest expense$4,410,0002,939
Salaries and employee benefits$2,211,0003,031
Premises and equipment expense$961,0002,029
Additional noninterest expense$1,238,0003,281
Pre-tax net operating income$2,106,0003,209
Securities gains (losses)$04,449
Applicable income taxes$766,0002,837
Income before extraordinary items$1,340,0003,582
Extraordinary gains, net$032
Net income$1,340,0003,582
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,204
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$8,891,000118
Net operating income$1,340,0003,481
1997-12-31 (YTD Data)Rank
Total interest income$15,072,0002,164
Total interest expense$9,003,0001,724
Net interest income$6,069,0002,877
Provision for loan and lease losses$200,0003,424
Total noninterest income$459,0005,267
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$459,0002,999
Total noninterest expense$4,032,0003,150
Salaries and employee benefits$2,138,0003,094
Premises and equipment expense$932,0002,110
Additional noninterest expense$962,0004,047
Pre-tax net operating income$2,296,0003,130
Securities gains (losses)$133,000864
Applicable income taxes$876,0002,724
Income before extraordinary items$1,553,0003,268
Extraordinary gains, net$044
Net income$1,553,0003,268
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,467,8803,346
1996-12-31 (YTD Data)Rank
Total interest income$13,728,0002,435
Total interest expense$8,048,0001,953
Net interest income$5,680,0003,116
Provision for loan and lease losses$43,0006,890
Total noninterest income$401,0005,938
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$401,0003,399
Total noninterest expense$5,144,0002,648
Salaries and employee benefits$2,120,0003,155
Premises and equipment expense$902,0002,207
Additional noninterest expense$2,122,0002,322
Pre-tax net operating income$894,0006,114
Securities gains (losses)$04,148
Applicable income taxes$285,0006,004
Income before extraordinary items$609,0006,217
Extraordinary gains, net$053
Net income$609,0006,220
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0008,019
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$609,0006,163
1995-12-31 (YTD Data)Rank
Total interest income$12,635,0002,651
Total interest expense$6,929,0002,255
Net interest income$5,706,0003,114
Provision for loan and lease losses$60,0005,704
Total noninterest income$332,0006,696
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$332,0003,756
Total noninterest expense$3,908,0003,404
Salaries and employee benefits$1,961,0003,367
Premises and equipment expense$899,0002,229
Additional noninterest expense$1,048,0004,190
Pre-tax net operating income$2,070,0003,374
Securities gains (losses)$03,831
Applicable income taxes$779,0002,941
Income before extraordinary items$1,291,0003,707
Extraordinary gains, net$065
Net income$1,291,0003,704
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$1,291,0003,684
1994-12-31 (YTD Data)Rank
Total interest income$11,514,0002,625
Total interest expense$5,332,0002,322
Net interest income$6,182,0002,922
Provision for loan and lease losses$62,0005,552
Total noninterest income$316,0007,044
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$316,0003,944
Total noninterest expense$3,634,0003,727
Salaries and employee benefits$1,768,0003,681
Premises and equipment expense$840,0002,413
Additional noninterest expense$1,026,0004,620
Pre-tax net operating income$2,802,0002,528
Securities gains (losses)$03,600
Applicable income taxes$1,019,0002,198
Income before extraordinary items$1,783,0002,718
Extraordinary gains, net$0249
Net income$1,783,0002,717
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,447
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,783,0002,730
1993-12-31 (YTD Data)Rank
Total interest income$11,492,0002,692
Total interest expense$5,655,0002,294
Net interest income$5,837,0003,106
Provision for loan and lease losses$64,0006,841
Total noninterest income$333,0007,226
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$333,0004,221
Total noninterest expense$3,489,0003,916
Salaries and employee benefits$1,663,0003,893
Premises and equipment expense$806,0002,541
Additional noninterest expense$1,020,0004,842
Pre-tax net operating income$2,617,0002,605
Securities gains (losses)$3,0006,505
Applicable income taxes$917,0002,477
Income before extraordinary items$1,703,0002,890
Extraordinary gains, net$03,149
Net income$1,703,0002,987
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,701,0502,742
1992-12-31 (YTD Data)Rank
Total interest income$12,109,0002,887
Total interest expense$6,934,0002,422
Net interest income$5,175,0003,520
Provision for loan and lease losses$92,0007,505
Total noninterest income$363,0006,936
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$363,0003,939
Total noninterest expense$3,246,0004,215
Salaries and employee benefits$1,529,0004,160
Premises and equipment expense$773,0002,683
Additional noninterest expense$938,0005,331
Pre-tax net operating income$2,200,0002,837
Securities gains (losses)$08,369
Applicable income taxes$709,0002,932
Income before extraordinary items$1,494,0003,089
Extraordinary gains, net$01,422
Net income$1,494,0003,121
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,494,0002,860

* 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.