Home > Liberty National Bank > Income and Expense

Liberty National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$9,250,0003,521
Total interest expense$4,200,0003,548
Net interest income$5,050,0003,502
Provision for loan and lease losses$200,0003,395
Total noninterest income$1,962,0001,870
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$265,0004,613
Trading account gains and fees$0262
Additional Noninterest Income$1,697,0001,299
Total noninterest expense$5,674,0002,424
Salaries and employee benefits$2,439,0002,766
Premises and equipment expense$932,0002,143
Additional noninterest expense$2,303,0002,175
Pre-tax net operating income$1,138,0005,295
Securities gains (losses)$2,0003,501
Applicable income taxes$549,0003,849
Income before extraordinary items$591,0006,323
Extraordinary gains, net$053
Net income$591,0006,326
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$261,0002,287
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$813,000410
Net operating income$589,7206,268
1995-12-31 (YTD Data)Rank
Total interest income$12,714,0002,638
Total interest expense$5,584,0002,746
Net interest income$7,130,0002,515
Provision for loan and lease losses$150,0003,621
Total noninterest income$2,345,0001,613
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$328,0003,981
Trading account gains and fees$0522
Additional Noninterest Income$2,017,0001,121
Total noninterest expense$7,824,0001,786
Salaries and employee benefits$3,362,0001,971
Premises and equipment expense$1,122,0001,800
Additional noninterest expense$3,340,0001,549
Pre-tax net operating income$1,501,0004,454
Securities gains (losses)$7,0002,620
Applicable income taxes$564,0003,825
Income before extraordinary items$944,0004,808
Extraordinary gains, net$065
Net income$944,0004,807
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$992,000885
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$939,5204,818
1994-12-31 (YTD Data)Rank
Total interest income$10,882,0002,794
Total interest expense$4,196,0002,911
Net interest income$6,686,0002,712
Provision for loan and lease losses$1,315,000769
Total noninterest income$2,444,0001,589
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$414,0003,282
Trading account gains and fees$0475
Additional Noninterest Income$2,030,0001,119
Total noninterest expense$9,947,0001,479
Salaries and employee benefits$3,424,0001,952
Premises and equipment expense$1,228,0001,686
Additional noninterest expense$5,295,0001,119
Pre-tax net operating income$-2,132,00012,529
Securities gains (losses)$-139,00011,741
Applicable income taxes$-871,00012,519
Income before extraordinary items$-1,400,00012,459
Extraordinary gains, net$0249
Net income$-1,400,00012,454
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,688,000368
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-1,311,04012,457
1993-12-31 (YTD Data)Rank
Total interest income$13,266,0002,331
Total interest expense$4,799,0002,681
Net interest income$8,467,0002,132
Provision for loan and lease losses$4,781,000454
Total noninterest income$2,475,0001,690
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$603,0002,290
Trading account gains and fees$0532
Additional Noninterest Income$1,872,0001,322
Total noninterest expense$8,381,0001,795
Salaries and employee benefits$3,348,0001,991
Premises and equipment expense$992,0002,069
Additional noninterest expense$4,041,0001,508
Pre-tax net operating income$-2,220,00013,099
Securities gains (losses)$07,477
Applicable income taxes$-986,00013,178
Income before extraordinary items$-1,234,00013,025
Extraordinary gains, net$03,149
Net income$-1,234,00013,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,754,000593
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-1,234,00012,992
1992-12-31 (YTD Data)Rank
Total interest income$15,868,0002,222
Total interest expense$5,890,0002,829
Net interest income$9,978,0001,834
Provision for loan and lease losses$3,544,000751
Total noninterest income$2,528,0001,644
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$724,0001,864
Trading account gains and fees$0504
Additional Noninterest Income$1,804,0001,328
Total noninterest expense$8,550,0001,774
Salaries and employee benefits$3,593,0001,847
Premises and equipment expense$1,117,0001,895
Additional noninterest expense$3,840,0001,636
Pre-tax net operating income$412,0009,133
Securities gains (losses)$08,369
Applicable income taxes$119,0009,396
Income before extraordinary items$293,0009,416
Extraordinary gains, net$01,422
Net income$293,0009,552
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,895,000992
Cash dividends$391,0003,411
Sale, conversion, retirement of capital stock, net$198,000738
Net operating income$293,0009,028

* 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.