Home > Liberty Bank > Income and Expense
Liberty Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,240,000 | 3,740 |
| Total interest expense | $4,616,000 | 2,431 |
| Net interest income | $3,624,000 | 4,881 |
| Provision for loan and lease losses | $12,845,000 | 694 |
| Total noninterest income | $-627,000 | 7,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-627,000 | 7,829 |
| Total noninterest expense | $10,423,000 | 1,946 |
| Salaries and employee benefits | $2,205,000 | 4,063 |
| Premises and equipment expense | $982,000 | 2,618 |
| Additional noninterest expense | $7,236,000 | 1,069 |
| Pre-tax net operating income | $-20,271,000 | 7,718 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-20,271,000 | 7,741 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-20,271,000 | 7,739 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-20,271,000 | 7,739 |
| Net charge-offs | $12,336,000 | 573 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-20,271,000 | 7,743 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,386,000 | 3,704 |
| Total interest expense | $3,713,000 | 2,379 |
| Net interest income | $2,673,000 | 4,926 |
| Provision for loan and lease losses | $9,545,000 | 646 |
| Total noninterest income | $-564,000 | 8,013 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-564,000 | 7,968 |
| Total noninterest expense | $8,286,000 | 1,835 |
| Salaries and employee benefits | $1,742,000 | 3,944 |
| Premises and equipment expense | $761,000 | 2,573 |
| Additional noninterest expense | $5,783,000 | 974 |
| Pre-tax net operating income | $-15,722,000 | 7,835 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-15,722,000 | 7,862 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-15,722,000 | 7,860 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-15,722,000 | 7,861 |
| Net charge-offs | $9,229,000 | 534 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-15,722,000 | 7,860 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,306,000 | 3,707 |
| Total interest expense | $2,580,000 | 2,375 |
| Net interest income | $1,726,000 | 5,004 |
| Provision for loan and lease losses | $4,095,000 | 877 |
| Total noninterest income | $-573,000 | 8,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-573,000 | 8,091 |
| Total noninterest expense | $5,875,000 | 1,750 |
| Salaries and employee benefits | $1,197,000 | 3,903 |
| Premises and equipment expense | $522,000 | 2,545 |
| Additional noninterest expense | $4,156,000 | 920 |
| Pre-tax net operating income | $-8,817,000 | 7,895 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-8,817,000 | 7,928 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,817,000 | 7,927 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-8,817,000 | 7,927 |
| Net charge-offs | $2,496,000 | 976 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-8,817,000 | 7,930 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,236,000 | 3,648 |
| Total interest expense | $1,395,000 | 2,293 |
| Net interest income | $841,000 | 5,066 |
| Provision for loan and lease losses | $480,000 | 1,810 |
| Total noninterest income | $101,000 | 5,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $101,000 | 3,637 |
| Total noninterest expense | $1,427,000 | 3,272 |
| Salaries and employee benefits | $623,000 | 3,807 |
| Premises and equipment expense | $265,000 | 2,561 |
| Additional noninterest expense | $539,000 | 2,822 |
| Pre-tax net operating income | $-965,000 | 7,624 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-965,000 | 7,692 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-965,000 | 7,693 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-965,000 | 7,693 |
| Net charge-offs | $258,000 | 1,921 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-965,000 | 7,688 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,989,000 | 3,522 |
| Total interest expense | $5,798,000 | 2,590 |
| Net interest income | $4,191,000 | 4,441 |
| Provision for loan and lease losses | $5,598,000 | 938 |
| Total noninterest income | $710,000 | 4,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $710,000 | 2,632 |
| Total noninterest expense | $5,587,000 | 3,276 |
| Salaries and employee benefits | $2,431,000 | 3,850 |
| Premises and equipment expense | $1,583,000 | 1,737 |
| Additional noninterest expense | $1,573,000 | 3,500 |
| Pre-tax net operating income | $-6,284,000 | 7,871 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-6,284,000 | 7,883 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,284,000 | 7,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,819,000 | 713 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-6,284,000 | 7,926 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,656,000 | 3,530 |
| Total interest expense | $4,389,000 | 2,667 |
| Net interest income | $3,267,000 | 4,349 |
| Provision for loan and lease losses | $4,108,000 | 745 |
| Total noninterest income | $576,000 | 4,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $576,000 | 2,590 |
| Total noninterest expense | $4,318,000 | 3,172 |
| Salaries and employee benefits | $2,031,000 | 3,571 |
| Premises and equipment expense | $1,337,000 | 1,565 |
| Additional noninterest expense | $950,000 | 4,022 |
| Pre-tax net operating income | $-4,583,000 | 8,109 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-4,583,000 | 8,107 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,583,000 | 8,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,060,000 | 521 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,583,000 | 8,155 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,226,000 | 3,531 |
| Total interest expense | $3,006,000 | 2,704 |
| Net interest income | $2,220,000 | 4,293 |
| Provision for loan and lease losses | $1,628,000 | 896 |
| Total noninterest income | $403,000 | 4,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $403,000 | 2,578 |
| Total noninterest expense | $2,888,000 | 3,172 |
| Salaries and employee benefits | $1,338,000 | 3,641 |
| Premises and equipment expense | $917,000 | 1,522 |
| Additional noninterest expense | $633,000 | 4,012 |
| Pre-tax net operating income | $-1,893,000 | 8,142 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,893,000 | 8,194 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,893,000 | 8,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,362,000 | 714 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,893,000 | 8,184 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,712,000 | 3,512 |
| Total interest expense | $1,583,000 | 2,741 |
| Net interest income | $1,129,000 | 4,260 |
| Provision for loan and lease losses | $1,121,000 | 580 |
| Total noninterest income | $183,000 | 4,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $183,000 | 2,703 |
| Total noninterest expense | $1,405,000 | 3,258 |
| Salaries and employee benefits | $685,000 | 3,606 |
| Premises and equipment expense | $464,000 | 1,501 |
| Additional noninterest expense | $256,000 | 4,609 |
| Pre-tax net operating income | $-1,214,000 | 8,302 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-1,214,000 | 8,336 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,214,000 | 8,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 1,260 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,214,000 | 8,326 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,879,000 | 3,558 |
| Total interest expense | $6,005,000 | 3,000 |
| Net interest income | $4,874,000 | 4,082 |
| Provision for loan and lease losses | $2,362,000 | 734 |
| Total noninterest income | $1,137,000 | 3,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,137,000 | 2,045 |
| Total noninterest expense | $4,631,000 | 3,675 |
| Salaries and employee benefits | $2,255,000 | 4,009 |
| Premises and equipment expense | $1,539,000 | 1,707 |
| Additional noninterest expense | $837,000 | 5,200 |
| Pre-tax net operating income | $-982,000 | 8,042 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-982,000 | 8,100 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-982,000 | 8,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,447,000 | 779 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $5,500,000 | 257 |
| Net operating income | $-982,000 | 8,094 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,989,000 | 3,618 |
| Total interest expense | $4,386,000 | 3,067 |
| Net interest income | $3,603,000 | 4,132 |
| Provision for loan and lease losses | $752,000 | 1,144 |
| Total noninterest income | $900,000 | 3,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $900,000 | 1,973 |
| Total noninterest expense | $3,572,000 | 3,560 |
| Salaries and employee benefits | $1,820,000 | 3,802 |
| Premises and equipment expense | $1,130,000 | 1,742 |
| Additional noninterest expense | $622,000 | 5,175 |
| Pre-tax net operating income | $179,000 | 7,047 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $179,000 | 6,913 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $179,000 | 6,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,520 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $5,500,000 | 184 |
| Net operating income | $179,000 | 6,897 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 3,744 |
| Total interest expense | $2,804,000 | 3,169 |
| Net interest income | $2,272,000 | 4,320 |
| Provision for loan and lease losses | $526,000 | 990 |
| Total noninterest income | $620,000 | 3,086 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $620,000 | 1,937 |
| Total noninterest expense | $2,384,000 | 3,585 |
| Salaries and employee benefits | $1,231,000 | 3,804 |
| Premises and equipment expense | $761,000 | 1,747 |
| Additional noninterest expense | $392,000 | 5,360 |
| Pre-tax net operating income | $-18,000 | 7,824 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-18,000 | 7,840 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-18,000 | 7,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $5,500,000 | 135 |
| Net operating income | $-18,000 | 7,830 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,382,000 | 3,911 |
| Total interest expense | $1,328,000 | 3,274 |
| Net interest income | $1,054,000 | 4,536 |
| Provision for loan and lease losses | $364,000 | 680 |
| Total noninterest income | $284,000 | 3,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $284,000 | 2,030 |
| Total noninterest expense | $1,152,000 | 3,685 |
| Salaries and employee benefits | $596,000 | 3,915 |
| Premises and equipment expense | $362,000 | 1,836 |
| Additional noninterest expense | $194,000 | 5,363 |
| Pre-tax net operating income | $-178,000 | 8,274 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-178,000 | 8,306 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-178,000 | 8,304 |
| 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 | $5,500,000 | 68 |
| Net operating income | $-178,000 | 8,293 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,309,000 | 5,388 |
| Total interest expense | $2,857,000 | 4,442 |
| Net interest income | $2,452,000 | 6,080 |
| Provision for loan and lease losses | $533,000 | 1,807 |
| Total noninterest income | $856,000 | 3,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $856,000 | 2,471 |
| Total noninterest expense | $3,296,000 | 4,580 |
| Salaries and employee benefits | $1,784,000 | 4,645 |
| Premises and equipment expense | $805,000 | 2,993 |
| Additional noninterest expense | $707,000 | 5,605 |
| Pre-tax net operating income | $-521,000 | 8,272 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-521,000 | 8,300 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-521,000 | 8,300 |
| 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 | $100,000 | 890 |
| Net operating income | $-521,000 | 8,297 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,276,000 | 5,929 |
| Total interest expense | $1,736,000 | 4,946 |
| Net interest income | $1,540,000 | 6,562 |
| Provision for loan and lease losses | $346,000 | 1,922 |
| Total noninterest income | $599,000 | 4,058 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $599,000 | 2,567 |
| Total noninterest expense | $2,197,000 | 4,946 |
| Salaries and employee benefits | $1,241,000 | 4,864 |
| Premises and equipment expense | $608,000 | 2,974 |
| Additional noninterest expense | $348,000 | 6,725 |
| Pre-tax net operating income | $-404,000 | 8,394 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-404,000 | 8,421 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-404,000 | 8,420 |
| 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 | $100,000 | 704 |
| Net operating income | $-404,000 | 8,412 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 6,753 |
| Total interest expense | $786,000 | 5,852 |
| Net interest income | $747,000 | 7,307 |
| Provision for loan and lease losses | $135,000 | 2,822 |
| Total noninterest income | $337,000 | 4,447 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $337,000 | 2,813 |
| Total noninterest expense | $1,174,000 | 5,682 |
| Salaries and employee benefits | $682,000 | 5,515 |
| Premises and equipment expense | $291,000 | 3,855 |
| Additional noninterest expense | $201,000 | 7,088 |
| Pre-tax net operating income | $-225,000 | 8,428 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-225,000 | 8,447 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-225,000 | 8,448 |
| 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 | $100,000 | 535 |
| Net operating income | $-225,000 | 8,445 |
* 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.