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Liberty National Bank of Owensboro, Income and Expense

1994-12-31 (YTD Data)Rank
Total interest income$18,459,0001,672
Total interest expense$8,848,0001,466
Net interest income$9,611,0001,880
Provision for loan and lease losses$325,0002,132
Total noninterest income$2,037,0001,818
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,180,0001,125
Trading account gains and fees$0475
Additional Noninterest Income$857,0002,049
Total noninterest expense$8,012,0001,814
Salaries and employee benefits$3,085,0002,147
Premises and equipment expense$1,287,0001,601
Additional noninterest expense$3,640,0001,527
Pre-tax net operating income$3,311,0002,151
Securities gains (losses)$-2,326,00012,500
Applicable income taxes$73,0009,966
Income before extraordinary items$912,0004,856
Extraordinary gains, net$0249
Net income$912,0004,861
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$417,0001,547
Cash dividends$1,305,0001,557
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$3,075,1801,598
1993-12-31 (YTD Data)Rank
Total interest income$19,097,0001,642
Total interest expense$8,120,0001,624
Net interest income$10,977,0001,649
Provision for loan and lease losses$684,0001,692
Total noninterest income$1,974,0002,003
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$988,0001,363
Trading account gains and fees$0532
Additional Noninterest Income$986,0002,046
Total noninterest expense$7,796,0001,903
Salaries and employee benefits$3,349,0001,988
Premises and equipment expense$991,0002,071
Additional noninterest expense$3,456,0001,703
Pre-tax net operating income$4,471,0001,564
Securities gains (losses)$07,477
Applicable income taxes$1,294,0001,806
Income before extraordinary items$3,177,0001,605
Extraordinary gains, net$03,149
Net income$3,177,0001,656
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$716,0001,423
Cash dividends$2,350,000884
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$3,177,0001,511
1992-12-31 (YTD Data)Rank
Total interest income$20,345,0001,745
Total interest expense$10,026,0001,716
Net interest income$10,319,0001,777
Provision for loan and lease losses$830,0002,107
Total noninterest income$2,035,0001,907
Gross Fiduciary activities income$465,000788
Service charges on deposit accounts$1,015,0001,312
Trading account gains and fees$0504
Additional Noninterest Income$555,0002,982
Total noninterest expense$7,682,0001,938
Salaries and employee benefits$3,332,0001,969
Premises and equipment expense$826,0002,506
Additional noninterest expense$3,524,0001,740
Pre-tax net operating income$3,842,0001,622
Securities gains (losses)$08,369
Applicable income taxes$1,049,0002,019
Income before extraordinary items$2,793,0001,650
Extraordinary gains, net$01,422
Net income$2,793,0001,666
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$804,0001,813
Cash dividends$3,300,000539
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,793,0001,530

* 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.