Home > Liberty Bank > Income and Expense

Liberty Bank, Income and Expense

2008-09-30 (YTD Data)		Rank
Total interest income	$3,420,000	5,781
Total interest expense	$1,257,000	5,848
Net interest income	$2,163,000	5,559
Provision for loan and lease losses	$42,000	6,061
Total noninterest income	$66,000	7,550
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$31,000	6,807
Trading account gains and fees	$0	148
Additional Noninterest Income	$35,000	6,964
Total noninterest expense	$2,053,000	5,386
Salaries and employee benefits	$1,124,000	5,354
Premises and equipment expense	$262,000	5,459
Additional noninterest expense	$667,000	5,107
Pre-tax net operating income	$134,000	6,276
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$134,000	6,012
Extraordinary gains, net	$0	31
Net income	$134,000	6,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,316
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$100,000	772
Net operating income	$134,000	6,173
2008-06-30 (YTD Data)		Rank
Total interest income	$2,303,000	5,829
Total interest expense	$879,000	5,883
Net interest income	$1,424,000	5,601
Provision for loan and lease losses	$20,000	5,946
Total noninterest income	$48,000	7,532
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$21,000	6,831
Trading account gains and fees	$0	149
Additional Noninterest Income	$27,000	6,905
Total noninterest expense	$1,360,000	5,437
Salaries and employee benefits	$729,000	5,485
Premises and equipment expense	$179,000	5,445
Additional noninterest expense	$452,000	5,050
Pre-tax net operating income	$92,000	6,447
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$92,000	6,402
Extraordinary gains, net	$0	21
Net income	$92,000	6,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,853
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$78,000	642
Net operating income	$92,000	6,341
2008-03-31 (YTD Data)		Rank
Total interest income	$1,197,000	5,807
Total interest expense	$503,000	5,748
Net interest income	$694,000	5,716
Provision for loan and lease losses	$5,000	5,755
Total noninterest income	$24,000	7,550
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$11,000	6,800
Trading account gains and fees	$0	158
Additional Noninterest Income	$13,000	6,970
Total noninterest expense	$678,000	5,474
Salaries and employee benefits	$370,000	5,475
Premises and equipment expense	$95,000	5,305
Additional noninterest expense	$213,000	5,185
Pre-tax net operating income	$35,000	6,792
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$35,000	6,801
Extraordinary gains, net	$0	15
Net income	$35,000	6,802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$24,000	658
Net operating income	$35,000	6,708
2007-12-31 (YTD Data)		Rank
Total interest income	$5,130,000	5,654
Total interest expense	$2,419,000	5,358
Net interest income	$2,711,000	5,758
Provision for loan and lease losses	$25,000	6,187
Total noninterest income	$155,000	7,085
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$42,000	6,872
Trading account gains and fees	$0	178
Additional Noninterest Income	$113,000	6,026
Total noninterest expense	$2,579,000	5,508
Salaries and employee benefits	$1,475,000	5,356
Premises and equipment expense	$408,000	4,970
Additional noninterest expense	$696,000	5,753
Pre-tax net operating income	$262,000	6,705
Securities gains (losses)	$22,000	1,079
Applicable income taxes	$0	6,070
Income before extraordinary items	$284,000	6,490
Extraordinary gains, net	$0	39
Net income	$284,000	6,489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$98,000	937
Net operating income	$262,000	6,542
2007-09-30 (YTD Data)		Rank
Total interest income	$3,852,000	5,670
Total interest expense	$1,850,000	5,312
Net interest income	$2,002,000	5,846
Provision for loan and lease losses	$25,000	5,669
Total noninterest income	$126,000	7,020
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$30,000	6,928
Trading account gains and fees	$0	184
Additional Noninterest Income	$96,000	5,873
Total noninterest expense	$1,916,000	5,508
Salaries and employee benefits	$1,106,000	5,333
Premises and equipment expense	$282,000	5,185
Additional noninterest expense	$528,000	5,663
Pre-tax net operating income	$187,000	7,017
Securities gains (losses)	$22,000	807
Applicable income taxes	$0	6,220
Income before extraordinary items	$209,000	6,767
Extraordinary gains, net	$0	33
Net income	$209,000	6,765
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$73,000	822
Net operating income	$187,000	6,857
2007-06-30 (YTD Data)		Rank
Total interest income	$2,530,000	5,738
Total interest expense	$1,220,000	5,344
Net interest income	$1,310,000	5,925
Provision for loan and lease losses	$25,000	5,140
Total noninterest income	$95,000	6,911
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$21,000	6,953
Trading account gains and fees	$0	168
Additional Noninterest Income	$74,000	5,653
Total noninterest expense	$1,279,000	5,525
Salaries and employee benefits	$741,000	5,363
Premises and equipment expense	$183,000	5,293
Additional noninterest expense	$355,000	5,651
Pre-tax net operating income	$101,000	7,237
Securities gains (losses)	$22,000	693
Applicable income taxes	$0	6,265
Income before extraordinary items	$123,000	6,951
Extraordinary gains, net	$0	29
Net income	$123,000	6,951
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$48,000	748
Net operating income	$101,000	7,101
2007-03-31 (YTD Data)		Rank
Total interest income	$1,190,000	5,900
Total interest expense	$548,000	5,633
Net interest income	$642,000	5,985
Provision for loan and lease losses	$25,000	4,116
Total noninterest income	$63,000	6,440
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$10,000	6,985
Trading account gains and fees	$0	195
Additional Noninterest Income	$53,000	4,993
Total noninterest expense	$631,000	5,594
Salaries and employee benefits	$374,000	5,380
Premises and equipment expense	$88,000	5,432
Additional noninterest expense	$169,000	5,774
Pre-tax net operating income	$49,000	7,299
Securities gains (losses)	$22,000	547
Applicable income taxes	$0	6,196
Income before extraordinary items	$71,000	6,845
Extraordinary gains, net	$0	22
Net income	$71,000	6,844
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$24,000	644
Net operating income	$49,000	7,157
2006-12-31 (YTD Data)		Rank
Total interest income	$4,391,000	5,893
Total interest expense	$1,883,000	5,567
Net interest income	$2,508,000	6,017
Provision for loan and lease losses	$141,000	4,154
Total noninterest income	$103,000	7,703
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$33,000	7,126
Trading account gains and fees	$0	130
Additional Noninterest Income	$70,000	6,859
Total noninterest expense	$2,325,000	5,708
Salaries and employee benefits	$1,380,000	5,459
Premises and equipment expense	$347,000	5,352
Additional noninterest expense	$598,000	6,068
Pre-tax net operating income	$145,000	7,567
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$145,000	7,505
Extraordinary gains, net	$0	51
Net income	$145,000	7,508
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$24,000	1,087
Net operating income	$145,000	7,497
2006-09-30 (YTD Data)		Rank
Total interest income	$3,217,000	5,972
Total interest expense	$1,326,000	5,665
Net interest income	$1,891,000	6,061
Provision for loan and lease losses	$121,000	3,808
Total noninterest income	$48,000	8,179
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$23,000	7,228
Trading account gains and fees	$0	126
Additional Noninterest Income	$25,000	7,685
Total noninterest expense	$1,793,000	5,607
Salaries and employee benefits	$1,097,000	5,257
Premises and equipment expense	$266,000	5,290
Additional noninterest expense	$430,000	6,199
Pre-tax net operating income	$25,000	8,035
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$25,000	8,052
Extraordinary gains, net	$0	45
Net income	$25,000	8,053
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$25,000	8,042
2006-06-30 (YTD Data)		Rank
Total interest income	$2,019,000	6,089
Total interest expense	$816,000	5,761
Net interest income	$1,203,000	6,212
Provision for loan and lease losses	$41,000	4,698
Total noninterest income	$31,000	8,261
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$15,000	7,286
Trading account gains and fees	$0	126
Additional Noninterest Income	$16,000	7,752
Total noninterest expense	$1,192,000	5,633
Salaries and employee benefits	$718,000	5,333
Premises and equipment expense	$177,000	5,303
Additional noninterest expense	$297,000	6,110
Pre-tax net operating income	$1,000	8,157
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$1,000	8,170
Extraordinary gains, net	$0	39
Net income	$1,000	8,171
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,000	8,159
2006-03-31 (YTD Data)		Rank
Total interest income	$915,000	6,312
Total interest expense	$342,000	6,095
Net interest income	$573,000	6,348
Provision for loan and lease losses	$41,000	3,507
Total noninterest income	$14,000	8,305
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$7,000	7,331
Trading account gains and fees	$0	115
Additional Noninterest Income	$7,000	7,855
Total noninterest expense	$603,000	5,609
Salaries and employee benefits	$365,000	5,310
Premises and equipment expense	$88,000	5,343
Additional noninterest expense	$150,000	6,055
Pre-tax net operating income	$-57,000	8,386
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-57,000	8,399
Extraordinary gains, net	$0	21
Net income	$-57,000	8,398
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-57,000	8,385
2005-12-31 (YTD Data)		Rank
Total interest income	$2,118,000	7,342
Total interest expense	$561,000	7,442
Net interest income	$1,557,000	7,220
Provision for loan and lease losses	$569,000	1,714
Total noninterest income	$28,000	8,562
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$17,000	7,513
Trading account gains and fees	$0	138
Additional Noninterest Income	$11,000	8,394
Total noninterest expense	$2,408,000	5,493
Salaries and employee benefits	$1,218,000	5,749
Premises and equipment expense	$313,000	5,606
Additional noninterest expense	$877,000	4,861
Pre-tax net operating income	$-1,392,000	8,707
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-1,392,000	8,728
Extraordinary gains, net	$0	46
Net income	$-1,392,000	8,728
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$13,250,000	133
Net operating income	$-1,392,000	8,711
2005-09-30 (YTD Data)		Rank
Total interest income	$1,258,000	7,759
Total interest expense	$289,000	7,918
Net interest income	$969,000	7,618
Provision for loan and lease losses	$456,000	1,520
Total noninterest income	$16,000	8,654
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$10,000	7,610
Trading account gains and fees	$0	126
Additional Noninterest Income	$6,000	8,503
Total noninterest expense	$1,771,000	5,532
Salaries and employee benefits	$808,000	6,097
Premises and equipment expense	$221,000	5,787
Additional noninterest expense	$742,000	4,443
Pre-tax net operating income	$-1,242,000	8,760
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-1,242,000	8,778
Extraordinary gains, net	$0	35
Net income	$-1,242,000	8,778
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$13,250,000	94
Net operating income	$-1,242,000	8,759
2005-06-30 (YTD Data)		Rank
Total interest income	$527,000	8,327
Total interest expense	$114,000	8,382
Net interest income	$413,000	8,241
Provision for loan and lease losses	$286,000	1,614
Total noninterest income	$6,000	8,715
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$5,000	7,657
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,000	8,662
Total noninterest expense	$1,156,000	5,593
Salaries and employee benefits	$409,000	6,854
Premises and equipment expense	$137,000	5,971
Additional noninterest expense	$610,000	3,748
Pre-tax net operating income	$-1,023,000	8,783
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-1,023,000	8,805
Extraordinary gains, net	$0	30
Net income	$-1,023,000	8,805
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$13,250,000	63
Net operating income	$-1,023,000	8,787
2005-03-31 (YTD Data)		Rank
Total interest income	$83,000	8,852
Total interest expense	$18,000	8,788
Net interest income	$65,000	8,839
Provision for loan and lease losses	$117,000	1,831
Total noninterest income	$1,000	8,826
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$1,000	7,789
Trading account gains and fees	$0	115
Additional Noninterest Income	$0	8,766
Total noninterest expense	$711,000	4,939
Salaries and employee benefits	$158,000	7,541
Premises and equipment expense	$46,000	6,938
Additional noninterest expense	$507,000	2,404
Pre-tax net operating income	$-762,000	8,886
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-762,000	8,892
Extraordinary gains, net	$0	24
Net income	$-762,000	8,892
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$13,250,000	28
Net operating income	$-762,000	8,880

* 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.