Home > Liberty Bank & Trust > Income and Expense
Liberty Bank & Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,400,000 | 3,798 |
| Total interest expense | $3,947,000 | 3,722 |
| Net interest income | $4,453,000 | 3,844 |
| Provision for loan and lease losses | $389,000 | 2,153 |
| Total noninterest income | $750,000 | 3,762 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $477,000 | 2,738 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $273,000 | 4,143 |
| Total noninterest expense | $2,866,000 | 4,257 |
| Salaries and employee benefits | $1,306,000 | 4,766 |
| Premises and equipment expense | $337,000 | 5,047 |
| Additional noninterest expense | $1,223,000 | 3,303 |
| Pre-tax net operating income | $1,948,000 | 3,624 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $634,000 | 3,514 |
| Income before extraordinary items | $1,326,000 | 3,734 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,326,000 | 3,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,865 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 578 |
| Net operating income | $1,317,840 | 3,686 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,795,000 | 4,135 |
| Total interest expense | $3,710,000 | 3,969 |
| Net interest income | $4,085,000 | 4,245 |
| Provision for loan and lease losses | $76,000 | 5,685 |
| Total noninterest income | $680,000 | 4,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $469,000 | 2,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 5,022 |
| Total noninterest expense | $2,712,000 | 4,690 |
| Salaries and employee benefits | $1,168,000 | 5,330 |
| Premises and equipment expense | $280,000 | 5,838 |
| Additional noninterest expense | $1,264,000 | 3,619 |
| Pre-tax net operating income | $1,977,000 | 3,446 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $456,000 | 4,455 |
| Income before extraordinary items | $1,529,000 | 3,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,529,000 | 3,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 2,272 |
| Cash dividends | $2,500,000 | 1,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,522,840 | 3,110 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,549,000 | 4,236 |
| Total interest expense | $3,642,000 | 4,010 |
| Net interest income | $3,907,000 | 4,401 |
| Provision for loan and lease losses | $99,000 | 4,670 |
| Total noninterest income | $702,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $485,000 | 2,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 4,883 |
| Total noninterest expense | $2,523,000 | 4,956 |
| Salaries and employee benefits | $1,053,000 | 5,802 |
| Premises and equipment expense | $302,000 | 5,593 |
| Additional noninterest expense | $1,168,000 | 3,832 |
| Pre-tax net operating income | $1,987,000 | 3,515 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $411,000 | 4,855 |
| Income before extraordinary items | $1,572,000 | 3,112 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,572,000 | 3,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,418 |
| Cash dividends | $650,000 | 2,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,575,160 | 3,078 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,957,000 | 4,244 |
| Total interest expense | $2,940,000 | 4,035 |
| Net interest income | $4,017,000 | 4,363 |
| Provision for loan and lease losses | $89,000 | 4,852 |
| Total noninterest income | $652,000 | 4,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $506,000 | 2,706 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,278 |
| Total noninterest expense | $2,622,000 | 4,940 |
| Salaries and employee benefits | $1,154,000 | 5,439 |
| Premises and equipment expense | $320,000 | 5,433 |
| Additional noninterest expense | $1,148,000 | 4,214 |
| Pre-tax net operating income | $1,968,000 | 3,480 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $499,000 | 4,056 |
| Income before extraordinary items | $1,469,000 | 3,232 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,469,000 | 3,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $940,000 | 2,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,469,000 | 3,266 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,040,000 | 4,920 |
| Total interest expense | $2,534,000 | 4,751 |
| Net interest income | $3,506,000 | 4,959 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $744,000 | 4,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $579,000 | 2,377 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 6,257 |
| Total noninterest expense | $2,379,000 | 5,505 |
| Salaries and employee benefits | $1,116,000 | 5,568 |
| Premises and equipment expense | $312,000 | 5,663 |
| Additional noninterest expense | $951,000 | 5,140 |
| Pre-tax net operating income | $1,871,000 | 3,539 |
| Securities gains (losses) | $160,000 | 1,919 |
| Applicable income taxes | $542,000 | 3,908 |
| Income before extraordinary items | $1,489,000 | 3,274 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,489,000 | 3,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,809 |
| Cash dividends | $620,000 | 2,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,372,200 | 3,322 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,986,000 | 5,503 |
| Total interest expense | $2,718,000 | 5,614 |
| Net interest income | $3,268,000 | 5,310 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $681,000 | 4,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $477,000 | 2,916 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 5,612 |
| Total noninterest expense | $2,187,000 | 5,952 |
| Salaries and employee benefits | $1,001,000 | 6,023 |
| Premises and equipment expense | $309,000 | 5,841 |
| Additional noninterest expense | $877,000 | 5,644 |
| Pre-tax net operating income | $1,737,000 | 3,539 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $523,000 | 3,848 |
| Income before extraordinary items | $1,214,000 | 3,766 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,214,000 | 3,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-105,000 | 13,731 |
| Cash dividends | $440,000 | 3,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,214,000 | 3,489 |
* 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.