Home > Liberty Bank and Trust > Income and Expense
Liberty Bank and Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,492,000 | 6,231 |
| Total interest expense | $2,186,000 | 5,910 |
| Net interest income | $2,306,000 | 6,356 |
| Provision for loan and lease losses | $72,000 | 5,860 |
| Total noninterest income | $1,972,000 | 1,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,013 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,667,000 | 1,247 |
| Total noninterest expense | $2,835,000 | 4,287 |
| Salaries and employee benefits | $1,396,000 | 4,512 |
| Premises and equipment expense | $430,000 | 4,189 |
| Additional noninterest expense | $1,009,000 | 3,869 |
| Pre-tax net operating income | $1,371,000 | 4,787 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $484,000 | 4,309 |
| Income before extraordinary items | $900,000 | 5,057 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $900,000 | 5,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $430,000 | 3,804 |
| Sale, conversion, retirement of capital stock, net | $415,000 | 576 |
| Net operating income | $891,550 | 5,031 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,043,000 | 6,828 |
| Total interest expense | $1,827,000 | 6,785 |
| Net interest income | $2,216,000 | 6,735 |
| Provision for loan and lease losses | $26,000 | 7,618 |
| Total noninterest income | $977,000 | 3,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $688,000 | 2,325 |
| Total noninterest expense | $1,894,000 | 6,175 |
| Salaries and employee benefits | $761,000 | 7,197 |
| Premises and equipment expense | $354,000 | 4,982 |
| Additional noninterest expense | $779,000 | 5,303 |
| Pre-tax net operating income | $1,273,000 | 4,910 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $437,000 | 4,603 |
| Income before extraordinary items | $839,000 | 5,120 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $839,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,007 |
| Cash dividends | $230,000 | 5,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $837,020 | 5,072 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 7,139 |
| Total interest expense | $1,750,000 | 7,015 |
| Net interest income | $2,126,000 | 7,032 |
| Provision for loan and lease losses | $32,000 | 7,011 |
| Total noninterest income | $825,000 | 3,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $563,000 | 2,657 |
| Total noninterest expense | $1,802,000 | 6,451 |
| Salaries and employee benefits | $765,000 | 7,315 |
| Premises and equipment expense | $268,000 | 6,085 |
| Additional noninterest expense | $769,000 | 5,422 |
| Pre-tax net operating income | $1,117,000 | 5,542 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $379,000 | 5,136 |
| Income before extraordinary items | $738,000 | 5,772 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $738,000 | 5,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,579 |
| Cash dividends | $925,000 | 2,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $738,000 | 5,749 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,543,000 | 7,265 |
| Total interest expense | $1,394,000 | 7,223 |
| Net interest income | $2,149,000 | 7,200 |
| Provision for loan and lease losses | $114,000 | 4,281 |
| Total noninterest income | $821,000 | 3,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $577,000 | 2,664 |
| Total noninterest expense | $1,757,000 | 6,814 |
| Salaries and employee benefits | $761,000 | 7,442 |
| Premises and equipment expense | $251,000 | 6,508 |
| Additional noninterest expense | $745,000 | 6,025 |
| Pre-tax net operating income | $1,099,000 | 5,575 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $374,000 | 5,013 |
| Income before extraordinary items | $725,000 | 5,767 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $725,000 | 5,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $725,000 | 5,845 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,202,000 | 8,002 |
| Total interest expense | $1,345,000 | 7,720 |
| Net interest income | $1,857,000 | 8,085 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $715,000 | 4,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,270 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $476,000 | 3,365 |
| Total noninterest expense | $1,637,000 | 7,390 |
| Salaries and employee benefits | $708,000 | 7,951 |
| Premises and equipment expense | $195,000 | 7,784 |
| Additional noninterest expense | $734,000 | 6,337 |
| Pre-tax net operating income | $925,000 | 6,226 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $311,000 | 5,934 |
| Income before extraordinary items | $614,000 | 6,676 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $614,000 | 6,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $170,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $614,000 | 6,427 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,708,000 | 9,522 |
| Total interest expense | $1,308,000 | 9,196 |
| Net interest income | $1,400,000 | 9,622 |
| Provision for loan and lease losses | $55,000 | 8,828 |
| Total noninterest income | $278,000 | 8,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 6,417 |
| Total noninterest expense | $1,135,000 | 9,344 |
| Salaries and employee benefits | $480,000 | 9,977 |
| Premises and equipment expense | $150,000 | 9,105 |
| Additional noninterest expense | $505,000 | 8,407 |
| Pre-tax net operating income | $488,000 | 8,492 |
| Securities gains (losses) | $36,000 | 4,684 |
| Applicable income taxes | $108,000 | 9,686 |
| Income before extraordinary items | $416,000 | 8,052 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $416,000 | 8,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 6,806 |
| Cash dividends | $53,000 | 7,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $387,560 | 7,990 |
* 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.