Home > Liberty Bank & Trust > Income and Expense
Liberty Bank & Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,771,000 | 5,979 |
| Total interest expense | $2,177,000 | 5,924 |
| Net interest income | $2,594,000 | 5,903 |
| Provision for loan and lease losses | $252,000 | 2,917 |
| Total noninterest income | $381,000 | 5,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,493 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,066 |
| Total noninterest expense | $1,521,000 | 6,738 |
| Salaries and employee benefits | $638,000 | 7,679 |
| Premises and equipment expense | $213,000 | 6,604 |
| Additional noninterest expense | $670,000 | 5,390 |
| Pre-tax net operating income | $1,202,000 | 5,243 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $401,000 | 4,881 |
| Income before extraordinary items | $807,000 | 5,423 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $807,000 | 5,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,372 |
| Cash dividends | $930,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $470,000 | 556 |
| Net operating income | $802,980 | 5,395 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,520,000 | 6,377 |
| Total interest expense | $2,026,000 | 6,359 |
| Net interest income | $2,494,000 | 6,205 |
| Provision for loan and lease losses | $161,000 | 3,912 |
| Total noninterest income | $369,000 | 6,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,438 |
| Total noninterest expense | $1,477,000 | 7,171 |
| Salaries and employee benefits | $610,000 | 8,067 |
| Premises and equipment expense | $190,000 | 7,213 |
| Additional noninterest expense | $677,000 | 5,875 |
| Pre-tax net operating income | $1,225,000 | 5,048 |
| Securities gains (losses) | $18,000 | 2,073 |
| Applicable income taxes | $420,000 | 4,735 |
| Income before extraordinary items | $823,000 | 5,206 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $823,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,367 |
| Cash dividends | $450,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $811,120 | 5,186 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,894,000 | 7,122 |
| Total interest expense | $1,721,000 | 7,086 |
| Net interest income | $2,173,000 | 6,928 |
| Provision for loan and lease losses | $66,000 | 5,523 |
| Total noninterest income | $369,000 | 6,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,328 |
| Total noninterest expense | $1,472,000 | 7,350 |
| Salaries and employee benefits | $554,000 | 8,685 |
| Premises and equipment expense | $213,000 | 6,961 |
| Additional noninterest expense | $705,000 | 5,817 |
| Pre-tax net operating income | $1,004,000 | 5,985 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $328,000 | 5,688 |
| Income before extraordinary items | $676,000 | 6,142 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $676,000 | 6,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,093 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $676,000 | 6,119 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,453,000 | 7,399 |
| Total interest expense | $1,288,000 | 7,593 |
| Net interest income | $2,165,000 | 7,161 |
| Provision for loan and lease losses | $78,000 | 5,081 |
| Total noninterest income | $339,000 | 6,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,866 |
| Total noninterest expense | $1,480,000 | 7,657 |
| Salaries and employee benefits | $532,000 | 9,112 |
| Premises and equipment expense | $181,000 | 7,828 |
| Additional noninterest expense | $767,000 | 5,896 |
| Pre-tax net operating income | $945,000 | 6,189 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $298,000 | 5,899 |
| Income before extraordinary items | $651,000 | 6,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $651,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $325,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $648,240 | 6,303 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,864,000 | 10,465 |
| Total interest expense | $773,000 | 10,184 |
| Net interest income | $1,091,000 | 10,439 |
| Provision for loan and lease losses | $47,000 | 7,653 |
| Total noninterest income | $170,000 | 9,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 9,003 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,232 |
| Total noninterest expense | $767,000 | 10,835 |
| Salaries and employee benefits | $309,000 | 11,555 |
| Premises and equipment expense | $94,000 | 10,650 |
| Additional noninterest expense | $364,000 | 9,674 |
| Pre-tax net operating income | $447,000 | 9,051 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $132,000 | 9,038 |
| Income before extraordinary items | $314,000 | 9,317 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $314,000 | 9,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $314,700 | 9,060 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 11,692 |
| Total interest expense | $762,000 | 11,511 |
| Net interest income | $852,000 | 11,701 |
| Provision for loan and lease losses | $74,000 | 8,124 |
| Total noninterest income | $104,000 | 11,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 11,113 |
| Total noninterest expense | $565,000 | 12,275 |
| Salaries and employee benefits | $236,000 | 12,758 |
| Premises and equipment expense | $54,000 | 12,540 |
| Additional noninterest expense | $275,000 | 11,200 |
| Pre-tax net operating income | $317,000 | 9,969 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $90,000 | 10,159 |
| Income before extraordinary items | $227,000 | 10,217 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $227,000 | 10,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $35,000 | 8,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $227,000 | 9,869 |
* 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.