Home > Liberty Bank and Trust > Income and Expense
Liberty Bank and Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,306,000 | 6,379 |
| Total interest expense | $2,023,000 | 6,224 |
| Net interest income | $2,283,000 | 6,393 |
| Provision for loan and lease losses | $92,000 | 5,344 |
| Total noninterest income | $306,000 | 6,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,211 |
| Total noninterest expense | $1,281,000 | 7,407 |
| Salaries and employee benefits | $575,000 | 8,084 |
| Premises and equipment expense | $114,000 | 8,637 |
| Additional noninterest expense | $592,000 | 5,860 |
| Pre-tax net operating income | $1,216,000 | 5,203 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $421,000 | 4,729 |
| Income before extraordinary items | $802,000 | 5,451 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $802,000 | 5,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,088 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $797,380 | 5,421 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,270,000 | 6,610 |
| Total interest expense | $2,044,000 | 6,337 |
| Net interest income | $2,226,000 | 6,711 |
| Provision for loan and lease losses | $2,000 | 8,964 |
| Total noninterest income | $273,000 | 7,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,076 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,088 |
| Total noninterest expense | $1,435,000 | 7,296 |
| Salaries and employee benefits | $602,000 | 8,109 |
| Premises and equipment expense | $110,000 | 9,028 |
| Additional noninterest expense | $723,000 | 5,610 |
| Pre-tax net operating income | $1,062,000 | 5,534 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $370,000 | 5,140 |
| Income before extraordinary items | $696,000 | 5,776 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $696,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,696 |
| Cash dividends | $280,000 | 4,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $693,400 | 5,736 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,028,000 | 6,963 |
| Total interest expense | $1,985,000 | 6,505 |
| Net interest income | $2,043,000 | 7,204 |
| Provision for loan and lease losses | $46,000 | 6,390 |
| Total noninterest income | $311,000 | 6,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 6,163 |
| Total noninterest expense | $1,401,000 | 7,579 |
| Salaries and employee benefits | $596,000 | 8,382 |
| Premises and equipment expense | $117,000 | 9,135 |
| Additional noninterest expense | $688,000 | 5,937 |
| Pre-tax net operating income | $907,000 | 6,383 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $178,000 | 7,801 |
| Income before extraordinary items | $729,000 | 5,819 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $729,000 | 5,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,152 |
| Cash dividends | $700,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $729,000 | 5,802 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,581,000 | 7,225 |
| Total interest expense | $1,590,000 | 6,624 |
| Net interest income | $1,991,000 | 7,592 |
| Provision for loan and lease losses | $27,000 | 7,330 |
| Total noninterest income | $242,000 | 8,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,364,000 | 8,025 |
| Salaries and employee benefits | $590,000 | 8,679 |
| Premises and equipment expense | $134,000 | 8,981 |
| Additional noninterest expense | $640,000 | 6,737 |
| Pre-tax net operating income | $842,000 | 6,663 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $144,000 | 8,434 |
| Income before extraordinary items | $700,000 | 5,916 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $700,000 | 5,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $698,340 | 5,986 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,853,000 | 8,581 |
| Total interest expense | $1,353,000 | 7,702 |
| Net interest income | $1,500,000 | 9,103 |
| Provision for loan and lease losses | $42,000 | 7,871 |
| Total noninterest income | $224,000 | 8,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 6,257 |
| Total noninterest expense | $1,159,000 | 9,070 |
| Salaries and employee benefits | $536,000 | 9,331 |
| Premises and equipment expense | $109,000 | 10,160 |
| Additional noninterest expense | $514,000 | 8,081 |
| Pre-tax net operating income | $523,000 | 8,509 |
| Securities gains (losses) | $39,000 | 3,767 |
| Applicable income taxes | $180,000 | 8,011 |
| Income before extraordinary items | $382,000 | 8,619 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $382,000 | 8,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $355,480 | 8,625 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,085,000 | 10,725 |
| Total interest expense | $943,000 | 10,646 |
| Net interest income | $1,142,000 | 10,545 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $243,000 | 8,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,572 |
| Total noninterest expense | $782,000 | 11,098 |
| Salaries and employee benefits | $309,000 | 11,906 |
| Premises and equipment expense | $20,000 | 13,675 |
| Additional noninterest expense | $453,000 | 8,943 |
| Pre-tax net operating income | $603,000 | 7,693 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $184,000 | 7,884 |
| Income before extraordinary items | $420,000 | 8,021 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $420,000 | 8,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $302,000 | 3,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $419,300 | 7,670 |
* 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.