Home > Liberty State Bank > Income and Expense

Liberty State Bank, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$16,971,000	1,285
Total interest expense	$5,428,000	1,277
Net interest income	$11,543,000	1,268
Provision for loan and lease losses	$462,000	1,773
Total noninterest income	$1,532,000	2,320
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$909,000	1,443
Trading account gains and fees	$0	153
Additional Noninterest Income	$623,000	2,772
Total noninterest expense	$7,853,000	1,538
Salaries and employee benefits	$4,615,000	1,406
Premises and equipment expense	$729,000	2,322
Additional noninterest expense	$2,509,000	1,470
Pre-tax net operating income	$4,760,000	1,358
Securities gains (losses)	$548,000	645
Applicable income taxes	$1,471,000	1,378
Income before extraordinary items	$3,837,000	1,286
Extraordinary gains, net	$0	40
Net income	$3,837,000	1,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$205,000	2,176
Cash dividends	$1,200,000	1,511
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$3,442,440	1,356
2003-06-30 (YTD Data)		Rank
Total interest income	$11,340,000	1,291
Total interest expense	$3,817,000	1,254
Net interest income	$7,523,000	1,300
Provision for loan and lease losses	$283,000	1,939
Total noninterest income	$967,000	2,415
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$597,000	1,428
Trading account gains and fees	$0	150
Additional Noninterest Income	$370,000	2,916
Total noninterest expense	$4,892,000	1,643
Salaries and employee benefits	$2,695,000	1,588
Premises and equipment expense	$543,000	2,099
Additional noninterest expense	$1,654,000	1,483
Pre-tax net operating income	$3,315,000	1,287
Securities gains (losses)	$331,000	750
Applicable income taxes	$1,146,000	1,223
Income before extraordinary items	$2,500,000	1,325
Extraordinary gains, net	$0	30
Net income	$2,500,000	1,325
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	1,773
Cash dividends	$800,000	1,557
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$2,271,610	1,351
2003-03-31 (YTD Data)		Rank
Total interest income	$5,637,000	1,299
Total interest expense	$1,971,000	1,237
Net interest income	$3,666,000	1,334
Provision for loan and lease losses	$75,000	2,805
Total noninterest income	$483,000	2,346
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$290,000	1,426
Trading account gains and fees	$0	134
Additional Noninterest Income	$193,000	2,781
Total noninterest expense	$2,361,000	1,683
Salaries and employee benefits	$1,381,000	1,547
Premises and equipment expense	$256,000	2,208
Additional noninterest expense	$724,000	1,626
Pre-tax net operating income	$1,713,000	1,257
Securities gains (losses)	$72,000	1,188
Applicable income taxes	$543,000	1,273
Income before extraordinary items	$1,242,000	1,329
Extraordinary gains, net	$0	21
Net income	$1,242,000	1,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	1,704
Cash dividends	$400,000	1,446
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$1,191,600	1,291
2002-12-31 (YTD Data)		Rank
Total interest income	$23,353,000	1,310
Total interest expense	$8,498,000	1,319
Net interest income	$14,855,000	1,301
Provision for loan and lease losses	$400,000	2,829
Total noninterest income	$1,962,000	2,164
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,218,000	1,339
Trading account gains and fees	$0	153
Additional Noninterest Income	$744,000	2,619
Total noninterest expense	$8,916,000	1,702
Salaries and employee benefits	$4,972,000	1,621
Premises and equipment expense	$911,000	2,383
Additional noninterest expense	$3,033,000	1,564
Pre-tax net operating income	$7,501,000	1,121
Securities gains (losses)	$0	4,537
Applicable income taxes	$2,420,000	1,107
Income before extraordinary items	$5,081,000	1,234
Extraordinary gains, net	$0	70
Net income	$5,081,000	1,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	3,693
Cash dividends	$1,600,000	1,553
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,081,000	1,183
2001-12-31 (YTD Data)		Rank
Total interest income	$23,780,000	1,437
Total interest expense	$11,096,000	1,459
Net interest income	$12,684,000	1,402
Provision for loan and lease losses	$200,000	4,117
Total noninterest income	$1,716,000	2,277
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,024,000	1,447
Trading account gains and fees	$0	177
Additional Noninterest Income	$692,000	2,594
Total noninterest expense	$8,367,000	1,740
Salaries and employee benefits	$4,640,000	1,616
Premises and equipment expense	$976,000	2,193
Additional noninterest expense	$2,751,000	1,677
Pre-tax net operating income	$5,833,000	1,272
Securities gains (losses)	$411,000	700
Applicable income taxes	$2,087,000	1,139
Income before extraordinary items	$4,157,000	1,309
Extraordinary gains, net	$0	105
Net income	$4,157,000	1,311
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,000	3,106
Cash dividends	$1,300,000	1,851
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$3,881,630	1,344
2000-12-31 (YTD Data)		Rank
Total interest income	$23,403,000	1,483
Total interest expense	$11,062,000	1,551
Net interest income	$12,341,000	1,424
Provision for loan and lease losses	$300,000	2,819
Total noninterest income	$1,685,000	2,145
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,079,000	1,256
Trading account gains and fees	$0	180
Additional Noninterest Income	$606,000	2,618
Total noninterest expense	$7,785,000	1,792
Salaries and employee benefits	$4,281,000	1,669
Premises and equipment expense	$861,000	2,394
Additional noninterest expense	$2,643,000	1,681
Pre-tax net operating income	$5,941,000	1,252
Securities gains (losses)	$46,000	727
Applicable income taxes	$2,080,000	1,117
Income before extraordinary items	$3,907,000	1,353
Extraordinary gains, net	$0	38
Net income	$3,907,000	1,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	3,511
Cash dividends	$1,800,000	1,460
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$3,877,100	1,356
1999-12-31 (YTD Data)		Rank
Total interest income	$21,170,000	1,554
Total interest expense	$9,776,000	1,538
Net interest income	$11,394,000	1,530
Provision for loan and lease losses	$350,000	2,350
Total noninterest income	$1,785,000	2,008
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,087,000	1,223
Trading account gains and fees	$0	173
Additional Noninterest Income	$698,000	2,386
Total noninterest expense	$7,560,000	1,835
Salaries and employee benefits	$4,280,000	1,619
Premises and equipment expense	$798,000	2,545
Additional noninterest expense	$2,482,000	1,785
Pre-tax net operating income	$5,269,000	1,440
Securities gains (losses)	$91,000	766
Applicable income taxes	$1,785,000	1,368
Income before extraordinary items	$3,575,000	1,500
Extraordinary gains, net	$0	35
Net income	$3,575,000	1,501
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	3,266
Cash dividends	$1,500,000	1,672
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,514,030	1,496
1998-12-31 (YTD Data)		Rank
Total interest income	$19,721,000	1,650
Total interest expense	$9,090,000	1,691
Net interest income	$10,631,000	1,597
Provision for loan and lease losses	$470,000	1,813
Total noninterest income	$1,919,000	1,898
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$1,148,000	1,105
Trading account gains and fees	$0	224
Additional Noninterest Income	$771,000	2,230
Total noninterest expense	$7,391,000	1,764
Salaries and employee benefits	$4,166,000	1,598
Premises and equipment expense	$757,000	2,573
Additional noninterest expense	$2,468,000	1,726
Pre-tax net operating income	$4,689,000	1,582
Securities gains (losses)	$120,000	1,176
Applicable income taxes	$1,570,000	1,560
Income before extraordinary items	$3,239,000	1,628
Extraordinary gains, net	$0	32
Net income	$3,239,000	1,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	2,118
Cash dividends	$1,350,000	1,797
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,158,600	1,606
1997-12-31 (YTD Data)		Rank
Total interest income	$18,371,000	1,797
Total interest expense	$8,725,000	1,777
Net interest income	$9,646,000	1,808
Provision for loan and lease losses	$120,000	4,629
Total noninterest income	$1,813,000	1,915
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$1,098,000	1,147
Trading account gains and fees	$0	239
Additional Noninterest Income	$715,000	2,191
Total noninterest expense	$7,285,000	1,780
Salaries and employee benefits	$4,008,000	1,638
Premises and equipment expense	$701,000	2,731
Additional noninterest expense	$2,576,000	1,650
Pre-tax net operating income	$4,054,000	1,868
Securities gains (losses)	$87,000	1,050
Applicable income taxes	$1,362,000	1,861
Income before extraordinary items	$2,779,000	1,897
Extraordinary gains, net	$0	44
Net income	$2,779,000	1,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,000	2,289
Cash dividends	$1,100,000	2,008
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,720,710	1,881
1996-12-31 (YTD Data)		Rank
Total interest income	$17,018,000	1,980
Total interest expense	$7,694,000	2,047
Net interest income	$9,324,000	1,918
Provision for loan and lease losses	$612,000	1,477
Total noninterest income	$1,861,000	1,955
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,003,000	1,339
Trading account gains and fees	$0	262
Additional Noninterest Income	$858,000	2,009
Total noninterest expense	$6,947,000	2,015
Salaries and employee benefits	$3,908,000	1,700
Premises and equipment expense	$693,000	2,832
Additional noninterest expense	$2,346,000	2,131
Pre-tax net operating income	$3,626,000	1,991
Securities gains (losses)	$22,000	1,932
Applicable income taxes	$1,154,000	2,071
Income before extraordinary items	$2,494,000	1,986
Extraordinary gains, net	$0	53
Net income	$2,494,000	1,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$628,000	1,209
Cash dividends	$700,000	2,732
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,479,040	1,954
1995-12-31 (YTD Data)		Rank
Total interest income	$16,154,000	2,083
Total interest expense	$7,490,000	2,094
Net interest income	$8,664,000	2,078
Provision for loan and lease losses	$624,000	1,306
Total noninterest income	$1,595,000	2,191
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$994,000	1,372
Trading account gains and fees	$0	522
Additional Noninterest Income	$601,000	2,526
Total noninterest expense	$6,947,000	1,986
Salaries and employee benefits	$3,628,000	1,831
Premises and equipment expense	$653,000	2,994
Additional noninterest expense	$2,666,000	1,876
Pre-tax net operating income	$2,688,000	2,671
Securities gains (losses)	$277,000	546
Applicable income taxes	$1,047,000	2,282
Income before extraordinary items	$1,918,000	2,601
Extraordinary gains, net	$0	65
Net income	$1,918,000	2,601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$227,000	2,305
Cash dividends	$550,000	3,104
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,737,950	2,797
1994-12-31 (YTD Data)		Rank
Total interest income	$13,968,000	2,194
Total interest expense	$5,943,000	2,100
Net interest income	$8,025,000	2,251
Provision for loan and lease losses	$350,000	2,026
Total noninterest income	$1,646,000	2,129
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,121,000	1,182
Trading account gains and fees	$0	475
Additional Noninterest Income	$525,000	2,869
Total noninterest expense	$7,157,000	1,996
Salaries and employee benefits	$3,585,000	1,867
Premises and equipment expense	$639,000	3,083
Additional noninterest expense	$2,933,000	1,849
Pre-tax net operating income	$2,164,000	3,217
Securities gains (losses)	$-8,000	9,681
Applicable income taxes	$717,000	3,037
Income before extraordinary items	$1,439,000	3,281
Extraordinary gains, net	$0	249
Net income	$1,439,000	3,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$595,000	1,221
Cash dividends	$300,000	4,418
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,444,360	3,301
1993-12-31 (YTD Data)		Rank
Total interest income	$13,794,000	2,249
Total interest expense	$6,233,000	2,082
Net interest income	$7,561,000	2,365
Provision for loan and lease losses	$1,165,000	1,175
Total noninterest income	$1,636,000	2,278
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,115,000	1,208
Trading account gains and fees	$0	532
Additional Noninterest Income	$521,000	3,180
Total noninterest expense	$7,230,000	2,029
Salaries and employee benefits	$3,440,000	1,931
Premises and equipment expense	$652,000	3,069
Additional noninterest expense	$3,138,000	1,848
Pre-tax net operating income	$802,000	6,798
Securities gains (losses)	$577,000	810
Applicable income taxes	$208,000	7,473
Income before extraordinary items	$1,171,000	4,107
Extraordinary gains, net	$0	3,149
Net income	$1,171,000	4,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,545,000	856
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$680,550	5,986
1992-12-31 (YTD Data)		Rank
Total interest income	$15,174,000	2,313
Total interest expense	$7,867,000	2,164
Net interest income	$7,307,000	2,490
Provision for loan and lease losses	$3,229,000	787
Total noninterest income	$1,598,000	2,281
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,138,000	1,164
Trading account gains and fees	$0	504
Additional Noninterest Income	$460,000	3,373
Total noninterest expense	$6,788,000	2,166
Salaries and employee benefits	$3,222,000	2,040
Premises and equipment expense	$595,000	3,389
Additional noninterest expense	$2,971,000	2,013
Pre-tax net operating income	$-1,112,000	13,498
Securities gains (losses)	$1,287,000	543
Applicable income taxes	$-151,000	13,615
Income before extraordinary items	$326,000	8,981
Extraordinary gains, net	$0	1,422
Net income	$326,000	9,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,801,000	769
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-961,000	13,470

* 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.