Home > LIBERTY BANK & TRUST > Income and Expense
LIBERTY BANK & TRUST, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,821,000 | 2,566 |
| Total interest expense | $4,997,000 | 2,977 |
| Net interest income | $7,824,000 | 2,248 |
| Provision for loan and lease losses | $612,000 | 1,483 |
| Total noninterest income | $389,000 | 5,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,295 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,134 |
| Total noninterest expense | $4,230,000 | 3,015 |
| Salaries and employee benefits | $1,891,000 | 3,474 |
| Premises and equipment expense | $571,000 | 3,299 |
| Additional noninterest expense | $1,768,000 | 2,344 |
| Pre-tax net operating income | $3,371,000 | 2,244 |
| Securities gains (losses) | $22,000 | 1,824 |
| Applicable income taxes | $1,295,000 | 1,943 |
| Income before extraordinary items | $2,098,000 | 2,484 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,098,000 | 2,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,528 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $730,000 | 490 |
| Net operating income | $2,083,920 | 2,436 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,623,000 | 3,390 |
| Total interest expense | $3,590,000 | 4,096 |
| Net interest income | $6,033,000 | 2,942 |
| Provision for loan and lease losses | $170,000 | 3,812 |
| Total noninterest income | $358,000 | 6,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,190 |
| Total noninterest expense | $3,404,000 | 3,878 |
| Salaries and employee benefits | $1,769,000 | 3,733 |
| Premises and equipment expense | $468,000 | 3,984 |
| Additional noninterest expense | $1,167,000 | 3,870 |
| Pre-tax net operating income | $2,817,000 | 2,498 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $1,114,000 | 2,137 |
| Income before extraordinary items | $1,706,000 | 2,842 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,706,000 | 2,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,230 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,704,080 | 2,802 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,656,000 | 4,177 |
| Total interest expense | $2,991,000 | 4,773 |
| Net interest income | $4,665,000 | 3,760 |
| Provision for loan and lease losses | $146,000 | 3,710 |
| Total noninterest income | $272,000 | 7,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,108 |
| Total noninterest expense | $2,536,000 | 4,939 |
| Salaries and employee benefits | $1,288,000 | 4,895 |
| Premises and equipment expense | $378,000 | 4,760 |
| Additional noninterest expense | $870,000 | 4,906 |
| Pre-tax net operating income | $2,255,000 | 3,144 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $876,000 | 2,671 |
| Income before extraordinary items | $1,379,000 | 3,509 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,379,000 | 3,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,379,000 | 3,488 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,439,000 | 5,293 |
| Total interest expense | $1,560,000 | 6,720 |
| Net interest income | $3,879,000 | 4,510 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $202,000 | 8,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,198 |
| Total noninterest expense | $1,980,000 | 6,259 |
| Salaries and employee benefits | $1,001,000 | 6,084 |
| Premises and equipment expense | $276,000 | 6,064 |
| Additional noninterest expense | $703,000 | 6,294 |
| Pre-tax net operating income | $1,801,000 | 3,746 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $694,000 | 3,110 |
| Income before extraordinary items | $1,111,000 | 4,135 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,111,000 | 4,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,562 |
| Cash dividends | $80,000 | 7,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,108,440 | 4,193 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,327,000 | 7,792 |
| Total interest expense | $1,069,000 | 8,806 |
| Net interest income | $2,258,000 | 7,018 |
| Provision for loan and lease losses | $137,000 | 4,886 |
| Total noninterest income | $200,000 | 9,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,461,000 | 7,959 |
| Salaries and employee benefits | $760,000 | 7,578 |
| Premises and equipment expense | $176,000 | 8,234 |
| Additional noninterest expense | $525,000 | 7,993 |
| Pre-tax net operating income | $860,000 | 6,519 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $331,000 | 5,722 |
| Income before extraordinary items | $529,000 | 7,311 |
| Extraordinary gains, net | $128,000 | 1,362 |
| Net income | $657,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 6,087 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $529,000 | 7,056 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,228,000 | 10,416 |
| Total interest expense | $909,000 | 10,823 |
| Net interest income | $1,319,000 | 9,912 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $107,000 | 11,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,988 |
| Total noninterest expense | $985,000 | 10,046 |
| Salaries and employee benefits | $513,000 | 9,651 |
| Premises and equipment expense | $118,000 | 10,101 |
| Additional noninterest expense | $354,000 | 10,142 |
| Pre-tax net operating income | $441,000 | 8,879 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $180,000 | 7,969 |
| Income before extraordinary items | $261,000 | 9,764 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $261,000 | 9,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $261,000 | 9,399 |
* 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.