Home > Liberty Savings Association > Income and Expense
Liberty Savings Association, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,444,000 | 3,737 |
| Total interest expense | $3,975,000 | 3,711 |
| Net interest income | $4,469,000 | 3,757 |
| Provision for loan and lease losses | $22,000 | 7,668 |
| Total noninterest income | $265,000 | 6,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $265,000 | 4,286 |
| Total noninterest expense | $4,404,000 | 2,943 |
| Salaries and employee benefits | $2,458,000 | 2,765 |
| Premises and equipment expense | $648,000 | 2,969 |
| Additional noninterest expense | $1,298,000 | 3,142 |
| Pre-tax net operating income | $308,000 | 8,343 |
| Securities gains (losses) | $980,000 | 381 |
| Applicable income taxes | $505,000 | 3,806 |
| Income before extraordinary items | $783,000 | 5,257 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $783,000 | 5,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 961 |
| Net operating income | $155,800 | 8,877 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,713,000 | 3,673 |
| Total interest expense | $4,072,000 | 3,611 |
| Net interest income | $4,641,000 | 3,731 |
| Provision for loan and lease losses | $205,000 | 3,384 |
| Total noninterest income | $600,000 | 4,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $600,000 | 2,472 |
| Total noninterest expense | $3,657,000 | 3,468 |
| Salaries and employee benefits | $2,096,000 | 3,164 |
| Premises and equipment expense | $592,000 | 3,194 |
| Additional noninterest expense | $969,000 | 4,021 |
| Pre-tax net operating income | $1,379,000 | 4,763 |
| Securities gains (losses) | $1,389,000 | 235 |
| Applicable income taxes | $1,008,000 | 2,423 |
| Income before extraordinary items | $1,760,000 | 2,893 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,760,000 | 2,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,583 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $871,040 | 5,114 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,828,000 | 3,673 |
| Total interest expense | $4,298,000 | 3,467 |
| Net interest income | $4,530,000 | 3,883 |
| Provision for loan and lease losses | $39,000 | 7,052 |
| Total noninterest income | $686,000 | 4,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $686,000 | 2,334 |
| Total noninterest expense | $4,139,000 | 3,254 |
| Salaries and employee benefits | $2,158,000 | 3,091 |
| Premises and equipment expense | $551,000 | 3,479 |
| Additional noninterest expense | $1,430,000 | 3,247 |
| Pre-tax net operating income | $1,038,000 | 5,604 |
| Securities gains (losses) | $1,495,000 | 193 |
| Applicable income taxes | $920,000 | 2,522 |
| Income before extraordinary items | $1,613,000 | 2,982 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,613,000 | 2,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $656,200 | 5,906 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,631,000 | 3,393 |
| Total interest expense | $4,694,000 | 3,198 |
| Net interest income | $4,937,000 | 3,586 |
| Provision for loan and lease losses | $77,000 | 5,197 |
| Total noninterest income | $713,000 | 4,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $713,000 | 2,257 |
| Total noninterest expense | $3,721,000 | 3,539 |
| Salaries and employee benefits | $2,039,000 | 3,255 |
| Premises and equipment expense | $533,000 | 3,558 |
| Additional noninterest expense | $1,149,000 | 3,894 |
| Pre-tax net operating income | $1,852,000 | 3,732 |
| Securities gains (losses) | $451,000 | 385 |
| Applicable income taxes | $918,000 | 2,558 |
| Income before extraordinary items | $1,385,000 | 3,501 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,385,000 | 3,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 11,120 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,096,360 | 4,250 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,296,000 | 4,073 |
| Total interest expense | $3,254,000 | 3,676 |
| Net interest income | $4,042,000 | 4,330 |
| Provision for loan and lease losses | $93,000 | 4,720 |
| Total noninterest income | $688,000 | 4,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $688,000 | 2,358 |
| Total noninterest expense | $3,366,000 | 3,976 |
| Salaries and employee benefits | $1,805,000 | 3,607 |
| Premises and equipment expense | $499,000 | 3,819 |
| Additional noninterest expense | $1,062,000 | 4,480 |
| Pre-tax net operating income | $1,271,000 | 5,017 |
| Securities gains (losses) | $176,000 | 538 |
| Applicable income taxes | $509,000 | 4,008 |
| Income before extraordinary items | $938,000 | 4,742 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $938,000 | 4,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $823,600 | 5,307 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,295,000 | 4,758 |
| Total interest expense | $3,154,000 | 3,953 |
| Net interest income | $3,141,000 | 5,458 |
| Provision for loan and lease losses | $184,000 | 4,098 |
| Total noninterest income | $841,000 | 3,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $841,000 | 2,315 |
| Total noninterest expense | $3,222,000 | 4,228 |
| Salaries and employee benefits | $1,648,000 | 3,933 |
| Premises and equipment expense | $498,000 | 3,875 |
| Additional noninterest expense | $1,076,000 | 4,625 |
| Pre-tax net operating income | $576,000 | 8,115 |
| Securities gains (losses) | $251,000 | 1,453 |
| Applicable income taxes | $-34,000 | 12,860 |
| Income before extraordinary items | $861,000 | 5,255 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $861,000 | 5,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 4,144 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $610,000 | 6,458 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,730,000 | 4,991 |
| Total interest expense | $3,753,000 | 4,296 |
| Net interest income | $2,977,000 | 5,758 |
| Provision for loan and lease losses | $23,000 | 10,448 |
| Total noninterest income | $869,000 | 3,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $869,000 | 2,190 |
| Total noninterest expense | $2,804,000 | 4,807 |
| Salaries and employee benefits | $1,183,000 | 5,235 |
| Premises and equipment expense | $429,000 | 4,536 |
| Additional noninterest expense | $1,192,000 | 4,365 |
| Pre-tax net operating income | $1,019,000 | 5,551 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $29,000 | 11,842 |
| Income before extraordinary items | $990,000 | 4,553 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $990,000 | 4,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 3,319 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 516 |
| Net operating income | $990,000 | 4,221 |
* 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.