Home > Liberty National Bank > Income and Expense
Liberty National Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $989,000 | 8,399 |
| Total interest expense | $194,000 | 8,483 |
| Net interest income | $795,000 | 8,310 |
| Provision for loan and lease losses | $47,000 | 6,024 |
| Total noninterest income | $149,000 | 7,618 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $97,000 | 6,519 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $52,000 | 7,358 |
| Total noninterest expense | $346,000 | 8,848 |
| Salaries and employee benefits | $200,000 | 8,815 |
| Premises and equipment expense | $36,000 | 8,755 |
| Additional noninterest expense | $110,000 | 8,782 |
| Pre-tax net operating income | $551,000 | 6,539 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $193,000 | 4,800 |
| Income before extraordinary items | $358,000 | 6,979 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $358,000 | 6,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $358,000 | 6,925 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,144,000 | 2,927 |
| Total interest expense | $2,199,000 | 2,635 |
| Net interest income | $4,945,000 | 3,032 |
| Provision for loan and lease losses | $367,000 | 1,909 |
| Total noninterest income | $1,385,000 | 2,334 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $908,000 | 1,463 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $477,000 | 2,879 |
| Total noninterest expense | $3,652,000 | 3,172 |
| Salaries and employee benefits | $1,956,000 | 3,200 |
| Premises and equipment expense | $529,000 | 3,111 |
| Additional noninterest expense | $1,167,000 | 3,015 |
| Pre-tax net operating income | $2,311,000 | 2,556 |
| Securities gains (losses) | $15,000 | 2,477 |
| Applicable income taxes | $839,000 | 2,035 |
| Income before extraordinary items | $1,487,000 | 2,972 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,487,000 | 2,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,570 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,477,400 | 2,912 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,622,000 | 2,992 |
| Total interest expense | $1,453,000 | 2,638 |
| Net interest income | $3,169,000 | 3,128 |
| Provision for loan and lease losses | $230,000 | 1,975 |
| Total noninterest income | $925,000 | 2,320 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $595,000 | 1,476 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $330,000 | 2,824 |
| Total noninterest expense | $2,424,000 | 3,191 |
| Salaries and employee benefits | $1,319,000 | 3,179 |
| Premises and equipment expense | $352,000 | 3,110 |
| Additional noninterest expense | $753,000 | 3,110 |
| Pre-tax net operating income | $1,440,000 | 2,670 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $523,000 | 2,128 |
| Income before extraordinary items | $932,000 | 3,108 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $932,000 | 3,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $922,400 | 3,053 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,282,000 | 3,031 |
| Total interest expense | $700,000 | 2,752 |
| Net interest income | $1,582,000 | 3,122 |
| Provision for loan and lease losses | $94,000 | 2,217 |
| Total noninterest income | $465,000 | 2,274 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $277,000 | 1,550 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $188,000 | 2,570 |
| Total noninterest expense | $1,209,000 | 3,210 |
| Salaries and employee benefits | $667,000 | 3,168 |
| Premises and equipment expense | $181,000 | 3,067 |
| Additional noninterest expense | $361,000 | 3,202 |
| Pre-tax net operating income | $744,000 | 2,581 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $269,000 | 2,088 |
| Income before extraordinary items | $475,000 | 3,061 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $475,000 | 3,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $475,000 | 2,950 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,230,000 | 3,357 |
| Total interest expense | $2,711,000 | 3,136 |
| Net interest income | $5,519,000 | 3,416 |
| Provision for loan and lease losses | $388,000 | 2,652 |
| Total noninterest income | $1,794,000 | 2,499 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,115,000 | 1,548 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $679,000 | 3,026 |
| Total noninterest expense | $4,498,000 | 3,349 |
| Salaries and employee benefits | $2,476,000 | 3,288 |
| Premises and equipment expense | $622,000 | 3,425 |
| Additional noninterest expense | $1,400,000 | 3,282 |
| Pre-tax net operating income | $2,427,000 | 2,957 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $873,000 | 2,375 |
| Income before extraordinary items | $1,557,000 | 3,474 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,557,000 | 3,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,475 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,555,080 | 3,305 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,111,000 | 3,440 |
| Total interest expense | $2,059,000 | 3,213 |
| Net interest income | $4,052,000 | 3,493 |
| Provision for loan and lease losses | $327,000 | 2,355 |
| Total noninterest income | $1,313,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $827,000 | 1,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $486,000 | 3,192 |
| Total noninterest expense | $3,336,000 | 3,368 |
| Salaries and employee benefits | $1,818,000 | 3,347 |
| Premises and equipment expense | $482,000 | 3,318 |
| Additional noninterest expense | $1,036,000 | 3,294 |
| Pre-tax net operating income | $1,702,000 | 3,214 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $604,000 | 2,656 |
| Income before extraordinary items | $1,102,000 | 3,733 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,102,000 | 3,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,099,400 | 3,567 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,029,000 | 3,498 |
| Total interest expense | $1,405,000 | 3,233 |
| Net interest income | $2,624,000 | 3,564 |
| Provision for loan and lease losses | $286,000 | 1,931 |
| Total noninterest income | $904,000 | 2,523 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $533,000 | 1,588 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $371,000 | 2,912 |
| Total noninterest expense | $2,194,000 | 3,410 |
| Salaries and employee benefits | $1,185,000 | 3,399 |
| Premises and equipment expense | $304,000 | 3,442 |
| Additional noninterest expense | $705,000 | 3,218 |
| Pre-tax net operating income | $1,048,000 | 3,405 |
| Securities gains (losses) | $-3,000 | 8,957 |
| Applicable income taxes | $358,000 | 2,918 |
| Income before extraordinary items | $687,000 | 3,917 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $687,000 | 3,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $688,980 | 3,726 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,983,000 | 3,550 |
| Total interest expense | $674,000 | 3,417 |
| Net interest income | $1,309,000 | 3,557 |
| Provision for loan and lease losses | $113,000 | 2,176 |
| Total noninterest income | $402,000 | 2,664 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $254,000 | 1,618 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $148,000 | 3,237 |
| Total noninterest expense | $1,037,000 | 3,547 |
| Salaries and employee benefits | $549,000 | 3,611 |
| Premises and equipment expense | $151,000 | 3,467 |
| Additional noninterest expense | $337,000 | 3,299 |
| Pre-tax net operating income | $561,000 | 3,231 |
| Securities gains (losses) | $-1,000 | 8,995 |
| Applicable income taxes | $189,000 | 2,797 |
| Income before extraordinary items | $371,000 | 3,660 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $371,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $371,660 | 3,485 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,349,000 | 3,893 |
| Total interest expense | $2,759,000 | 3,791 |
| Net interest income | $4,590,000 | 3,925 |
| Provision for loan and lease losses | $389,000 | 2,915 |
| Total noninterest income | $1,378,000 | 2,791 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $932,000 | 1,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $446,000 | 3,490 |
| Total noninterest expense | $3,867,000 | 3,652 |
| Salaries and employee benefits | $2,000,000 | 3,735 |
| Premises and equipment expense | $595,000 | 3,440 |
| Additional noninterest expense | $1,272,000 | 3,442 |
| Pre-tax net operating income | $1,712,000 | 3,776 |
| Securities gains (losses) | $-3,000 | 8,756 |
| Applicable income taxes | $600,000 | 3,120 |
| Income before extraordinary items | $1,109,000 | 4,299 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,109,000 | 4,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,113 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,110,950 | 4,191 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,620,000 | 4,606 |
| Total interest expense | $2,938,000 | 4,808 |
| Net interest income | $3,682,000 | 4,405 |
| Provision for loan and lease losses | $295,000 | 3,263 |
| Total noninterest income | $839,000 | 3,727 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $525,000 | 2,735 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $314,000 | 4,015 |
| Total noninterest expense | $3,000,000 | 4,336 |
| Salaries and employee benefits | $1,578,000 | 4,347 |
| Premises and equipment expense | $489,000 | 3,953 |
| Additional noninterest expense | $933,000 | 4,295 |
| Pre-tax net operating income | $1,226,000 | 4,370 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $433,000 | 3,583 |
| Income before extraordinary items | $819,000 | 4,812 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $819,000 | 4,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $50,000 | 6,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $802,100 | 4,754 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,431,000 | 5,440 |
| Total interest expense | $2,451,000 | 5,626 |
| Net interest income | $2,980,000 | 5,184 |
| Provision for loan and lease losses | $276,000 | 3,030 |
| Total noninterest income | $552,000 | 4,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 4,752 |
| Total noninterest expense | $2,368,000 | 5,047 |
| Salaries and employee benefits | $1,195,000 | 5,248 |
| Premises and equipment expense | $378,000 | 4,682 |
| Additional noninterest expense | $795,000 | 4,766 |
| Pre-tax net operating income | $888,000 | 5,586 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $7,000 | 8,144 |
| Income before extraordinary items | $877,000 | 4,754 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $877,000 | 4,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,816 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $880,960 | 4,750 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,450,000 | 6,882 |
| Total interest expense | $1,424,000 | 7,144 |
| Net interest income | $2,026,000 | 6,594 |
| Provision for loan and lease losses | $361,000 | 2,273 |
| Total noninterest income | $324,000 | 6,228 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,135 |
| Total noninterest expense | $1,833,000 | 6,015 |
| Salaries and employee benefits | $883,000 | 6,390 |
| Premises and equipment expense | $322,000 | 5,254 |
| Additional noninterest expense | $628,000 | 5,661 |
| Pre-tax net operating income | $156,000 | 8,783 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $156,000 | 8,601 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $156,000 | 8,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $156,000 | 8,561 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,751,000 | 8,983 |
| Total interest expense | $786,000 | 8,980 |
| Net interest income | $965,000 | 8,874 |
| Provision for loan and lease losses | $149,000 | 4,210 |
| Total noninterest income | $132,000 | 8,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 7,318 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,063 |
| Total noninterest expense | $1,442,000 | 6,847 |
| Salaries and employee benefits | $661,000 | 7,423 |
| Premises and equipment expense | $256,000 | 5,883 |
| Additional noninterest expense | $525,000 | 6,263 |
| Pre-tax net operating income | $-494,000 | 10,181 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-494,000 | 10,222 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-494,000 | 10,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-494,000 | 10,192 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $118,000 | 10,867 |
| Total interest expense | $69,000 | 10,807 |
| Net interest income | $49,000 | 10,888 |
| Provision for loan and lease losses | $45,000 | 6,862 |
| Total noninterest income | $7,000 | 10,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 9,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,828 |
| Total noninterest expense | $362,000 | 10,570 |
| Salaries and employee benefits | $169,000 | 10,660 |
| Premises and equipment expense | $57,000 | 10,024 |
| Additional noninterest expense | $136,000 | 10,163 |
| Pre-tax net operating income | $-351,000 | 10,664 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-351,000 | 10,698 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-351,000 | 10,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-351,000 | 10,678 |
* 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.