Home > Liberty Bank and Trust > Income and Expense
Liberty Bank and Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,185,000 | 3,520 |
| Total interest expense | $4,250,000 | 3,460 |
| Net interest income | $4,935,000 | 3,534 |
| Provision for loan and lease losses | $686,000 | 1,348 |
| Total noninterest income | $1,636,000 | 2,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,636,000 | 1,263 |
| Total noninterest expense | $4,396,000 | 2,884 |
| Salaries and employee benefits | $2,073,000 | 3,198 |
| Premises and equipment expense | $1,070,000 | 1,854 |
| Additional noninterest expense | $1,253,000 | 3,228 |
| Pre-tax net operating income | $1,489,000 | 4,519 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $670,000 | 3,364 |
| Income before extraordinary items | $823,000 | 5,364 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $823,000 | 5,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $579,000 | 1,194 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $820,440 | 5,323 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,710,000 | 4,174 |
| Total interest expense | $3,618,000 | 4,066 |
| Net interest income | $4,092,000 | 4,237 |
| Provision for loan and lease losses | $571,000 | 1,579 |
| Total noninterest income | $729,000 | 3,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $729,000 | 2,231 |
| Total noninterest expense | $3,869,000 | 3,445 |
| Salaries and employee benefits | $1,616,000 | 4,026 |
| Premises and equipment expense | $767,000 | 2,558 |
| Additional noninterest expense | $1,486,000 | 3,150 |
| Pre-tax net operating income | $381,000 | 8,626 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $136,000 | 8,111 |
| Income before extraordinary items | $250,000 | 8,839 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $250,000 | 8,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $512,000 | 1,406 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $246,750 | 8,805 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,906,000 | 5,267 |
| Total interest expense | $2,775,000 | 5,092 |
| Net interest income | $3,131,000 | 5,314 |
| Provision for loan and lease losses | $207,000 | 2,933 |
| Total noninterest income | $1,759,000 | 2,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,759,000 | 1,238 |
| Total noninterest expense | $2,587,000 | 4,848 |
| Salaries and employee benefits | $1,094,000 | 5,620 |
| Premises and equipment expense | $539,000 | 3,521 |
| Additional noninterest expense | $954,000 | 4,531 |
| Pre-tax net operating income | $2,096,000 | 3,344 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $721,000 | 3,159 |
| Income before extraordinary items | $1,375,000 | 3,520 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,375,000 | 3,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,910 |
| Cash dividends | $1,000,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,375,000 | 3,499 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,418,000 | 6,232 |
| Total interest expense | $1,717,000 | 6,289 |
| Net interest income | $2,701,000 | 6,100 |
| Provision for loan and lease losses | $158,000 | 3,509 |
| Total noninterest income | $591,000 | 4,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $591,000 | 2,615 |
| Total noninterest expense | $2,090,000 | 5,988 |
| Salaries and employee benefits | $876,000 | 6,778 |
| Premises and equipment expense | $494,000 | 3,843 |
| Additional noninterest expense | $720,000 | 6,184 |
| Pre-tax net operating income | $1,044,000 | 5,774 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $312,000 | 5,729 |
| Income before extraordinary items | $732,000 | 5,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $732,000 | 5,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,238 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $732,000 | 5,791 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,920,000 | 6,960 |
| Total interest expense | $1,493,000 | 7,224 |
| Net interest income | $2,427,000 | 6,678 |
| Provision for loan and lease losses | $108,000 | 5,571 |
| Total noninterest income | $417,000 | 6,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $417,000 | 3,659 |
| Total noninterest expense | $1,764,000 | 6,994 |
| Salaries and employee benefits | $787,000 | 7,396 |
| Premises and equipment expense | $404,000 | 4,673 |
| Additional noninterest expense | $573,000 | 7,573 |
| Pre-tax net operating income | $972,000 | 6,012 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $361,000 | 5,377 |
| Income before extraordinary items | $611,000 | 6,700 |
| Extraordinary gains, net | $103,000 | 1,537 |
| Net income | $714,000 | 6,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 6,565 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $611,000 | 6,448 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,959,000 | 9,067 |
| Total interest expense | $1,545,000 | 8,380 |
| Net interest income | $1,414,000 | 9,572 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $503,000 | 5,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $503,000 | 3,168 |
| Total noninterest expense | $1,238,000 | 8,886 |
| Salaries and employee benefits | $539,000 | 9,376 |
| Premises and equipment expense | $352,000 | 5,344 |
| Additional noninterest expense | $347,000 | 10,227 |
| Pre-tax net operating income | $559,000 | 7,998 |
| Securities gains (losses) | $107,000 | 2,901 |
| Applicable income taxes | $171,000 | 8,144 |
| Income before extraordinary items | $495,000 | 7,379 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $495,000 | 7,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 5,971 |
| Cash dividends | $35,000 | 8,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $415,820 | 7,708 |
* 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.