Home > Liberty Bank & Trust > Income and Expense
Liberty Bank & Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,890,000 | 7,900 |
| Total interest expense | $1,265,000 | 7,938 |
| Net interest income | $1,625,000 | 7,722 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $313,000 | 6,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 5,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 5,788 |
| Total noninterest expense | $910,000 | 8,645 |
| Salaries and employee benefits | $428,000 | 9,079 |
| Premises and equipment expense | $71,000 | 9,671 |
| Additional noninterest expense | $411,000 | 7,258 |
| Pre-tax net operating income | $992,000 | 5,852 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $353,000 | 5,269 |
| Income before extraordinary items | $647,000 | 6,130 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $647,000 | 6,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,883 |
| Cash dividends | $410,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $641,800 | 6,109 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 8,533 |
| Total interest expense | $1,175,000 | 8,459 |
| Net interest income | $1,445,000 | 8,400 |
| Provision for loan and lease losses | $8,000 | 8,671 |
| Total noninterest income | $279,000 | 7,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,675 |
| Total noninterest expense | $886,000 | 9,102 |
| Salaries and employee benefits | $387,000 | 9,698 |
| Premises and equipment expense | $73,000 | 9,997 |
| Additional noninterest expense | $426,000 | 7,665 |
| Pre-tax net operating income | $830,000 | 6,372 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $301,000 | 5,818 |
| Income before extraordinary items | $533,000 | 6,677 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $533,000 | 6,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $530,440 | 6,637 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,369,000 | 9,156 |
| Total interest expense | $1,041,000 | 9,117 |
| Net interest income | $1,328,000 | 8,985 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $264,000 | 7,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,073 |
| Total noninterest expense | $894,000 | 9,376 |
| Salaries and employee benefits | $375,000 | 10,117 |
| Premises and equipment expense | $69,000 | 10,506 |
| Additional noninterest expense | $450,000 | 7,705 |
| Pre-tax net operating income | $673,000 | 7,453 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $239,000 | 6,808 |
| Income before extraordinary items | $434,000 | 7,780 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $434,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,774 |
| Cash dividends | $450,000 | 3,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $434,000 | 7,745 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,099,000 | 9,609 |
| Total interest expense | $772,000 | 9,751 |
| Net interest income | $1,327,000 | 9,376 |
| Provision for loan and lease losses | $44,000 | 6,435 |
| Total noninterest income | $209,000 | 8,579 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 7,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,738 |
| Total noninterest expense | $868,000 | 9,915 |
| Salaries and employee benefits | $355,000 | 10,689 |
| Premises and equipment expense | $69,000 | 10,998 |
| Additional noninterest expense | $444,000 | 8,374 |
| Pre-tax net operating income | $624,000 | 7,872 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $216,000 | 7,080 |
| Income before extraordinary items | $408,000 | 8,130 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $408,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,591 |
| Cash dividends | $160,000 | 5,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $408,000 | 8,173 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,965,000 | 10,254 |
| Total interest expense | $804,000 | 10,039 |
| Net interest income | $1,161,000 | 10,193 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $176,000 | 9,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,868 |
| Total noninterest expense | $750,000 | 10,921 |
| Salaries and employee benefits | $337,000 | 11,285 |
| Premises and equipment expense | $65,000 | 11,682 |
| Additional noninterest expense | $348,000 | 9,861 |
| Pre-tax net operating income | $587,000 | 8,028 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $197,000 | 7,680 |
| Income before extraordinary items | $390,000 | 8,537 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $390,000 | 8,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $560,000 | 2,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $390,000 | 8,269 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,063,000 | 10,779 |
| Total interest expense | $1,009,000 | 10,346 |
| Net interest income | $1,054,000 | 10,879 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $144,000 | 10,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 8,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 10,289 |
| Total noninterest expense | $671,000 | 11,676 |
| Salaries and employee benefits | $311,000 | 11,891 |
| Premises and equipment expense | $49,000 | 12,719 |
| Additional noninterest expense | $311,000 | 10,684 |
| Pre-tax net operating income | $527,000 | 8,220 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $144,000 | 8,775 |
| Income before extraordinary items | $389,000 | 8,328 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $389,000 | 8,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $330,000 | 3,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $384,620 | 8,020 |
* 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.