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Liberty Bank and Trust Company, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$2,929,0007,324
Total interest expense$665,0008,689
Net interest income$2,264,0006,032
Provision for loan and lease losses$15,0007,716
Total noninterest income$397,0005,699
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$274,0004,405
Trading account gains and fees$0177
Additional Noninterest Income$123,0005,948
Total noninterest expense$1,648,0006,455
Salaries and employee benefits$824,0006,679
Premises and equipment expense$343,0005,100
Additional noninterest expense$481,0006,567
Pre-tax net operating income$998,0004,904
Securities gains (losses)$54,0002,273
Applicable income taxes$368,0003,893
Income before extraordinary items$684,0005,286
Extraordinary gains, net$0105
Net income$684,0005,290
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,710
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$648,9005,292
2000-12-31 (YTD Data)Rank
Total interest income$3,128,0007,286
Total interest expense$853,0008,529
Net interest income$2,275,0006,155
Provision for loan and lease losses$-76,0009,793
Total noninterest income$358,0005,837
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$229,0004,760
Trading account gains and feesNANA
Additional Noninterest Income$129,0005,837
Total noninterest expense$1,379,0007,046
Salaries and employee benefits$793,0006,761
Premises and equipment expense$268,0005,800
Additional noninterest expense$318,0007,802
Pre-tax net operating income$1,330,0004,430
Securities gains (losses)$01,956
Applicable income taxes$524,0003,385
Income before extraordinary items$806,0005,029
Extraordinary gains, net$038
Net income$806,0005,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-157,0009,804
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$806,0005,024
1999-12-31 (YTD Data)Rank
Total interest income$2,569,0007,834
Total interest expense$725,0008,887
Net interest income$1,844,0006,921
Provision for loan and lease losses$28,0007,340
Total noninterest income$223,0007,222
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$164,0005,620
Trading account gains and feesNANA
Additional Noninterest Income$59,0007,752
Total noninterest expense$1,303,0007,288
Salaries and employee benefits$718,0007,140
Premises and equipment expense$295,0005,509
Additional noninterest expense$290,0008,195
Pre-tax net operating income$736,0006,184
Securities gains (losses)$03,155
Applicable income taxes$301,0004,821
Income before extraordinary items$435,0006,789
Extraordinary gains, net$035
Net income$435,0006,786
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$466,0001,281
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$435,0006,762
1998-12-31 (YTD Data)Rank
Total interest income$2,466,0008,127
Total interest expense$678,0009,242
Net interest income$1,788,0007,078
Provision for loan and lease losses$383,0002,143
Total noninterest income$200,0007,571
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$141,0006,081
Trading account gains and feesNANA
Additional Noninterest Income$59,0007,849
Total noninterest expense$1,293,0007,267
Salaries and employee benefits$700,0007,186
Premises and equipment expense$273,0005,658
Additional noninterest expense$320,0007,929
Pre-tax net operating income$312,0008,320
Securities gains (losses)$04,449
Applicable income taxes$132,0007,080
Income before extraordinary items$180,0008,761
Extraordinary gains, net$032
Net income$180,0008,760
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,524
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$180,0008,693
1997-12-31 (YTD Data)Rank
Total interest income$2,053,0008,939
Total interest expense$572,0009,912
Net interest income$1,481,0008,026
Provision for loan and lease losses$37,0007,107
Total noninterest income$177,0008,172
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$123,0006,696
Trading account gains and feesNANA
Additional Noninterest Income$54,0008,261
Total noninterest expense$948,0008,518
Salaries and employee benefits$511,0008,523
Premises and equipment expense$217,0006,538
Additional noninterest expense$220,0009,172
Pre-tax net operating income$673,0007,093
Securities gains (losses)$03,944
Applicable income taxes$279,0005,932
Income before extraordinary items$394,0007,685
Extraordinary gains, net$044
Net income$394,0007,688
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0009,638
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$394,0007,628
1996-12-31 (YTD Data)Rank
Total interest income$1,855,0009,580
Total interest expense$512,00010,564
Net interest income$1,343,0008,659
Provision for loan and lease losses$8,0008,671
Total noninterest income$182,0008,503
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$136,0006,733
Trading account gains and feesNANA
Additional Noninterest Income$46,0009,071
Total noninterest expense$941,0008,914
Salaries and employee benefits$495,0008,923
Premises and equipment expense$201,0007,007
Additional noninterest expense$245,0009,448
Pre-tax net operating income$576,0007,541
Securities gains (losses)$53,0001,295
Applicable income taxes$254,0006,401
Income before extraordinary items$375,0007,821
Extraordinary gains, net$053
Net income$375,0007,819
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-11,00010,437
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$341,0808,022
1995-12-31 (YTD Data)Rank
Total interest income$1,877,0009,917
Total interest expense$514,00010,970
Net interest income$1,363,0008,892
Provision for loan and lease losses$-131,00011,763
Total noninterest income$184,0008,695
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$101,0007,760
Trading account gains and feesNANA
Additional Noninterest Income$83,0007,842
Total noninterest expense$1,215,0008,159
Salaries and employee benefits$595,0008,390
Premises and equipment expense$203,0007,129
Additional noninterest expense$417,0008,026
Pre-tax net operating income$463,0008,667
Securities gains (losses)$03,831
Applicable income taxes$184,0007,711
Income before extraordinary items$279,0009,147
Extraordinary gains, net$065
Net income$279,0009,151
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,00010,004
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$279,0009,120
1994-12-31 (YTD Data)Rank
Total interest income$1,598,00010,532
Total interest expense$358,00011,794
Net interest income$1,240,0009,648
Provision for loan and lease losses$142,0003,732
Total noninterest income$356,0006,602
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$101,0008,062
Trading account gains and feesNANA
Additional Noninterest Income$255,0004,538
Total noninterest expense$1,385,0007,953
Salaries and employee benefits$582,0008,744
Premises and equipment expense$243,0006,633
Additional noninterest expense$560,0007,344
Pre-tax net operating income$69,00011,810
Securities gains (losses)$03,600
Applicable income taxes$59,00010,250
Income before extraordinary items$10,00012,001
Extraordinary gains, net$0249
Net income$10,00012,002
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$89,0003,935
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$10,00012,038
1993-12-31 (YTD Data)Rank
Total interest income$1,530,00011,174
Total interest expense$428,00012,086
Net interest income$1,102,00010,400
Provision for loan and lease losses$271,0003,222
Total noninterest income$526,0005,412
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$124,0007,750
Trading account gains and feesNANA
Additional Noninterest Income$402,0003,737
Total noninterest expense$1,432,0008,073
Salaries and employee benefits$519,0009,467
Premises and equipment expense$383,0004,887
Additional noninterest expense$530,0007,950
Pre-tax net operating income$-75,00012,564
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$-75,00012,641
Extraordinary gains, net$03,149
Net income$-75,00012,666
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$280,0002,570
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-75,00012,536
1992-12-31 (YTD Data)Rank
Total interest income$1,739,00011,444
Total interest expense$656,00012,038
Net interest income$1,083,00010,761
Provision for loan and lease losses$857,0002,063
Total noninterest income$346,0007,165
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$145,0007,235
Trading account gains and feesNANA
Additional Noninterest Income$201,0005,655
Total noninterest expense$2,681,0004,987
Salaries and employee benefits$521,0009,571
Premises and equipment expense$300,0005,973
Additional noninterest expense$1,860,0002,982
Pre-tax net operating income$-2,109,00013,646
Securities gains (losses)$08,369
Applicable income taxes$-690,00013,790
Income before extraordinary items$-1,419,00013,611
Extraordinary gains, net$01,422
Net income$-1,419,00013,603
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,196,0001,396
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-1,419,00013,554

* 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.