Home > LibertyPointe Bank > Income and Expense
LibertyPointe Bank, Income and Expense
2009-12-31 (YTD Data) | Rank | |
Total interest income | $11,319,000 | 2,899 |
Total interest expense | $6,106,000 | 1,896 |
Net interest income | $5,213,000 | 3,838 |
Provision for loan and lease losses | $6,495,000 | 1,187 |
Total noninterest income | $416,000 | 5,058 |
Gross Fiduciary activities income | $0 | 1,390 |
Service charges on deposit accounts | $224,000 | 4,433 |
Trading account gains and fees | $0 | 211 |
Additional Noninterest Income | $192,000 | 4,698 |
Total noninterest expense | $9,775,000 | 2,067 |
Salaries and employee benefits | $3,493,000 | 2,790 |
Premises and equipment expense | $2,474,000 | 1,106 |
Additional noninterest expense | $3,808,000 | 1,928 |
Pre-tax net operating income | $-10,641,000 | 7,512 |
Securities gains (losses) | $20,000 | 3,038 |
Applicable income taxes | $120,000 | 2,755 |
Income before extraordinary items | $-10,741,000 | 7,582 |
Extraordinary gains, net | $0 | 34 |
Net income | $-10,741,000 | 7,580 |
Minority interest net income | $0 | 115 |
Net income of bank and minority interests. | $-10,741,000 | 7,581 |
Net charge-offs | $5,467,000 | 1,067 |
Cash dividends | $0 | 4,670 |
Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
Net operating income | $-10,761,000 | 7,583 |
2009-09-30 (YTD Data) | Rank | |
Total interest income | $9,011,000 | 2,789 |
Total interest expense | $4,822,000 | 1,884 |
Net interest income | $4,189,000 | 3,675 |
Provision for loan and lease losses | $6,259,000 | 891 |
Total noninterest income | $228,000 | 5,648 |
Gross Fiduciary activities income | $0 | 1,353 |
Service charges on deposit accounts | $179,000 | 4,331 |
Trading account gains and fees | $0 | 212 |
Additional Noninterest Income | $49,000 | 6,248 |
Total noninterest expense | $7,775,000 | 1,934 |
Salaries and employee benefits | $2,668,000 | 2,762 |
Premises and equipment expense | $1,856,000 | 1,111 |
Additional noninterest expense | $3,251,000 | 1,667 |
Pre-tax net operating income | $-9,617,000 | 7,729 |
Securities gains (losses) | $20,000 | 2,745 |
Applicable income taxes | $90,000 | 2,952 |
Income before extraordinary items | $-9,687,000 | 7,769 |
Extraordinary gains, net | $0 | 27 |
Net income | $-9,687,000 | 7,768 |
Minority interest net income | $0 | 118 |
Net income of bank and minority interests. | $-9,687,000 | 7,769 |
Net charge-offs | $1,576,000 | 1,727 |
Cash dividends | $0 | 4,191 |
Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
Net operating income | $-9,707,000 | 7,776 |
2009-06-30 (YTD Data) | Rank | |
Total interest income | $6,640,000 | 2,577 |
Total interest expense | $3,382,000 | 1,889 |
Net interest income | $3,258,000 | 3,231 |
Provision for loan and lease losses | $2,435,000 | 1,244 |
Total noninterest income | $211,000 | 5,131 |
Gross Fiduciary activities income | $0 | 1,340 |
Service charges on deposit accounts | $112,000 | 4,425 |
Trading account gains and fees | $0 | 193 |
Additional Noninterest Income | $99,000 | 4,807 |
Total noninterest expense | $4,740,000 | 2,135 |
Salaries and employee benefits | $1,832,000 | 2,717 |
Premises and equipment expense | $1,232,000 | 1,140 |
Additional noninterest expense | $1,676,000 | 2,116 |
Pre-tax net operating income | $-3,706,000 | 7,638 |
Securities gains (losses) | $20,000 | 2,324 |
Applicable income taxes | $60,000 | 3,028 |
Income before extraordinary items | $-3,746,000 | 7,701 |
Extraordinary gains, net | $0 | 21 |
Net income | $-3,746,000 | 7,700 |
Minority interest net income | $0 | 112 |
Net income of bank and minority interests. | $-3,746,000 | 7,700 |
Net charge-offs | $1,135,000 | 1,546 |
Cash dividends | $0 | 3,983 |
Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
Net operating income | $-3,766,000 | 7,712 |
2009-03-31 (YTD Data) | Rank | |
Total interest income | $3,599,000 | 2,412 |
Total interest expense | $1,789,000 | 1,856 |
Net interest income | $1,810,000 | 2,956 |
Provision for loan and lease losses | $600,000 | 1,587 |
Total noninterest income | $165,000 | 4,203 |
Gross Fiduciary activities income | $0 | 1,285 |
Service charges on deposit accounts | $65,000 | 4,118 |
Trading account gains and fees | $0 | 171 |
Additional Noninterest Income | $100,000 | 3,652 |
Total noninterest expense | $2,289,000 | 2,159 |
Salaries and employee benefits | $961,000 | 2,633 |
Premises and equipment expense | $618,000 | 1,164 |
Additional noninterest expense | $710,000 | 2,201 |
Pre-tax net operating income | $-914,000 | 7,603 |
Securities gains (losses) | $98,000 | 1,009 |
Applicable income taxes | $30,000 | 3,285 |
Income before extraordinary items | $-846,000 | 7,655 |
Extraordinary gains, net | $0 | 15 |
Net income | $-846,000 | 7,656 |
Minority interest net income | $0 | 102 |
Net income of bank and minority interests. | $-846,000 | 7,656 |
Net charge-offs | $0 | 5,728 |
Cash dividends | $0 | 3,051 |
Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
Net operating income | $-944,000 | 7,681 |
2008-12-31 (YTD Data) | Rank | |
Total interest income | $15,876,000 | 2,350 |
Total interest expense | $9,050,000 | 1,780 |
Net interest income | $6,826,000 | 3,131 |
Provision for loan and lease losses | $6,876,000 | 795 |
Total noninterest income | $321,000 | 5,718 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $152,000 | 5,293 |
Trading account gains and fees | $0 | 154 |
Additional Noninterest Income | $169,000 | 5,122 |
Total noninterest expense | $9,270,000 | 2,079 |
Salaries and employee benefits | $4,352,000 | 2,324 |
Premises and equipment expense | $2,280,000 | 1,204 |
Additional noninterest expense | $2,638,000 | 2,244 |
Pre-tax net operating income | $-8,999,000 | 7,967 |
Securities gains (losses) | $-2,526,000 | 7,947 |
Applicable income taxes | $121,000 | 3,235 |
Income before extraordinary items | $-11,646,000 | 8,026 |
Extraordinary gains, net | $0 | 39 |
Net income | $-11,646,000 | 8,026 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $3,023,000 | 996 |
Cash dividends | $0 | 5,455 |
Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
Net operating income | $-9,120,000 | 8,013 |
2008-09-30 (YTD Data) | Rank | |
Total interest income | $12,054,000 | 2,372 |
Total interest expense | $6,928,000 | 1,816 |
Net interest income | $5,126,000 | 3,142 |
Provision for loan and lease losses | $2,315,000 | 1,070 |
Total noninterest income | $243,000 | 5,766 |
Gross Fiduciary activities income | $0 | 1,405 |
Service charges on deposit accounts | $111,000 | 5,379 |
Trading account gains and fees | $0 | 148 |
Additional Noninterest Income | $132,000 | 5,166 |
Total noninterest expense | $6,878,000 | 2,086 |
Salaries and employee benefits | $3,286,000 | 2,341 |
Premises and equipment expense | $1,666,000 | 1,231 |
Additional noninterest expense | $1,926,000 | 2,234 |
Pre-tax net operating income | $-3,824,000 | 8,073 |
Securities gains (losses) | $0 | 3,106 |
Applicable income taxes | $91,000 | 3,664 |
Income before extraordinary items | $-3,915,000 | 8,080 |
Extraordinary gains, net | $0 | 31 |
Net income | $-3,915,000 | 8,078 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $523,000 | 1,916 |
Cash dividends | $0 | 4,937 |
Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
Net operating income | $-3,915,000 | 8,131 |
2008-06-30 (YTD Data) | Rank | |
Total interest income | $7,848,000 | 2,465 |
Total interest expense | $4,584,000 | 1,880 |
Net interest income | $3,264,000 | 3,265 |
Provision for loan and lease losses | $1,375,000 | 1,008 |
Total noninterest income | $197,000 | 5,459 |
Gross Fiduciary activities income | $0 | 1,395 |
Service charges on deposit accounts | $72,000 | 5,440 |
Trading account gains and fees | $0 | 149 |
Additional Noninterest Income | $125,000 | 4,644 |
Total noninterest expense | $4,707,000 | 2,035 |
Salaries and employee benefits | $2,314,000 | 2,245 |
Premises and equipment expense | $1,018,000 | 1,360 |
Additional noninterest expense | $1,375,000 | 2,069 |
Pre-tax net operating income | $-2,621,000 | 8,218 |
Securities gains (losses) | $0 | 3,233 |
Applicable income taxes | $60,000 | 3,909 |
Income before extraordinary items | $-2,681,000 | 8,256 |
Extraordinary gains, net | $0 | 21 |
Net income | $-2,681,000 | 8,255 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $445,000 | 1,422 |
Cash dividends | $0 | 4,733 |
Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
Net operating income | $-2,681,000 | 8,251 |
2008-03-31 (YTD Data) | Rank | |
Total interest income | $3,894,000 | 2,528 |
Total interest expense | $2,217,000 | 2,064 |
Net interest income | $1,677,000 | 3,186 |
Provision for loan and lease losses | $450,000 | 1,056 |
Total noninterest income | $8,000 | 8,113 |
Gross Fiduciary activities income | $0 | 1,326 |
Service charges on deposit accounts | $34,000 | 5,506 |
Trading account gains and fees | $0 | 158 |
Additional Noninterest Income | $-26,000 | 8,427 |
Total noninterest expense | $2,253,000 | 2,129 |
Salaries and employee benefits | $1,155,000 | 2,275 |
Premises and equipment expense | $495,000 | 1,408 |
Additional noninterest expense | $603,000 | 2,298 |
Pre-tax net operating income | $-1,018,000 | 8,275 |
Securities gains (losses) | $0 | 2,688 |
Applicable income taxes | $29,000 | 4,079 |
Income before extraordinary items | $-1,047,000 | 8,309 |
Extraordinary gains, net | $0 | 15 |
Net income | $-1,047,000 | 8,309 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 5,009 |
Cash dividends | $0 | 3,705 |
Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
Net operating income | $-1,047,000 | 8,300 |
2007-12-31 (YTD Data) | Rank | |
Total interest income | $13,228,000 | 3,012 |
Total interest expense | $7,776,000 | 2,376 |
Net interest income | $5,452,000 | 3,755 |
Provision for loan and lease losses | $1,111,000 | 1,316 |
Total noninterest income | $253,000 | 6,372 |
Gross Fiduciary activities income | $0 | 1,498 |
Service charges on deposit accounts | $82,000 | 6,271 |
Trading account gains and fees | $0 | 178 |
Additional Noninterest Income | $171,000 | 5,356 |
Total noninterest expense | $6,123,000 | 2,916 |
Salaries and employee benefits | $2,671,000 | 3,540 |
Premises and equipment expense | $1,813,000 | 1,473 |
Additional noninterest expense | $1,639,000 | 3,171 |
Pre-tax net operating income | $-1,529,000 | 8,198 |
Securities gains (losses) | $0 | 2,146 |
Applicable income taxes | $78,000 | 4,649 |
Income before extraordinary items | $-1,607,000 | 8,259 |
Extraordinary gains, net | $0 | 39 |
Net income | $-1,607,000 | 8,256 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 6,600 |
Cash dividends | $0 | 5,817 |
Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
Net operating income | $-1,607,000 | 8,251 |
2007-09-30 (YTD Data) | Rank | |
Total interest income | $9,536,000 | 3,133 |
Total interest expense | $5,542,000 | 2,491 |
Net interest income | $3,994,000 | 3,829 |
Provision for loan and lease losses | $801,000 | 1,091 |
Total noninterest income | $184,000 | 6,474 |
Gross Fiduciary activities income | $0 | 1,458 |
Service charges on deposit accounts | $50,000 | 6,529 |
Trading account gains and fees | $0 | 184 |
Additional Noninterest Income | $134,000 | 5,292 |
Total noninterest expense | $3,875,000 | 3,329 |
Salaries and employee benefits | $1,983,000 | 3,568 |
Premises and equipment expense | $790,000 | 2,442 |
Additional noninterest expense | $1,102,000 | 3,429 |
Pre-tax net operating income | $-498,000 | 8,075 |
Securities gains (losses) | $0 | 1,655 |
Applicable income taxes | $51,000 | 4,930 |
Income before extraordinary items | $-549,000 | 8,159 |
Extraordinary gains, net | $0 | 33 |
Net income | $-549,000 | 8,155 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 6,076 |
Cash dividends | $0 | 5,179 |
Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
Net operating income | $-549,000 | 8,146 |
2007-06-30 (YTD Data) | Rank | |
Total interest income | $5,942,000 | 3,322 |
Total interest expense | $3,494,000 | 2,623 |
Net interest income | $2,448,000 | 4,105 |
Provision for loan and lease losses | $443,000 | 1,148 |
Total noninterest income | $135,000 | 6,308 |
Gross Fiduciary activities income | $0 | 1,429 |
Service charges on deposit accounts | $23,000 | 6,894 |
Trading account gains and fees | $0 | 168 |
Additional Noninterest Income | $112,000 | 4,907 |
Total noninterest expense | $2,238,000 | 3,785 |
Salaries and employee benefits | $1,217,000 | 3,829 |
Premises and equipment expense | $447,000 | 2,837 |
Additional noninterest expense | $574,000 | 4,146 |
Pre-tax net operating income | $-98,000 | 7,972 |
Securities gains (losses) | $0 | 1,444 |
Applicable income taxes | $30,000 | 5,109 |
Income before extraordinary items | $-128,000 | 8,044 |
Extraordinary gains, net | $0 | 29 |
Net income | $-128,000 | 8,043 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 5,517 |
Cash dividends | $0 | 4,977 |
Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
Net operating income | $-128,000 | 8,037 |
2007-03-31 (YTD Data) | Rank | |
Total interest income | $2,745,000 | 3,534 |
Total interest expense | $1,660,000 | 2,732 |
Net interest income | $1,085,000 | 4,457 |
Provision for loan and lease losses | $118,000 | 1,828 |
Total noninterest income | $51,000 | 6,791 |
Gross Fiduciary activities income | $0 | 1,355 |
Service charges on deposit accounts | $15,000 | 6,674 |
Trading account gains and fees | $0 | 195 |
Additional Noninterest Income | $36,000 | 5,687 |
Total noninterest expense | $982,000 | 4,200 |
Salaries and employee benefits | $574,000 | 4,005 |
Premises and equipment expense | $213,000 | 2,959 |
Additional noninterest expense | $195,000 | 5,341 |
Pre-tax net operating income | $36,000 | 7,462 |
Securities gains (losses) | $0 | 1,187 |
Applicable income taxes | $9,000 | 5,389 |
Income before extraordinary items | $27,000 | 7,509 |
Extraordinary gains, net | $0 | 22 |
Net income | $27,000 | 7,508 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 4,509 |
Cash dividends | $0 | 3,942 |
Sale, conversion, retirement of capital stock, net | $0 | 885 |
Net operating income | $27,000 | 7,493 |
2006-12-31 (YTD Data) | Rank | |
Total interest income | $5,900,000 | 5,070 |
Total interest expense | $3,576,000 | 3,860 |
Net interest income | $2,324,000 | 6,203 |
Provision for loan and lease losses | $851,000 | 1,210 |
Total noninterest income | $44,000 | 8,255 |
Gross Fiduciary activities income | $0 | 1,523 |
Service charges on deposit accounts | $26,000 | 7,206 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $18,000 | 8,036 |
Total noninterest expense | $4,153,000 | 3,878 |
Salaries and employee benefits | $1,845,000 | 4,534 |
Premises and equipment expense | $852,000 | 2,843 |
Additional noninterest expense | $1,456,000 | 3,368 |
Pre-tax net operating income | $-2,636,000 | 8,619 |
Securities gains (losses) | $0 | 1,687 |
Applicable income taxes | $0 | 6,600 |
Income before extraordinary items | $-2,636,000 | 8,631 |
Extraordinary gains, net | $0 | 51 |
Net income | $-2,636,000 | 8,631 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 6,377 |
Cash dividends | $0 | 5,941 |
Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
Net operating income | $-2,636,000 | 8,622 |
2006-09-30 (YTD Data) | Rank | |
Total interest income | $3,609,000 | 5,665 |
Total interest expense | $2,143,000 | 4,356 |
Net interest income | $1,466,000 | 6,679 |
Provision for loan and lease losses | $471,000 | 1,467 |
Total noninterest income | $29,000 | 8,373 |
Gross Fiduciary activities income | $0 | 1,468 |
Service charges on deposit accounts | $17,000 | 7,322 |
Trading account gains and fees | $0 | 126 |
Additional Noninterest Income | $12,000 | 8,141 |
Total noninterest expense | $2,598,000 | 4,419 |
Salaries and employee benefits | $1,204,000 | 4,952 |
Premises and equipment expense | $484,000 | 3,559 |
Additional noninterest expense | $910,000 | 3,889 |
Pre-tax net operating income | $-1,574,000 | 8,666 |
Securities gains (losses) | $0 | 1,388 |
Applicable income taxes | $7,000 | 6,326 |
Income before extraordinary items | $-1,581,000 | 8,679 |
Extraordinary gains, net | $0 | 45 |
Net income | $-1,581,000 | 8,679 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 5,858 |
Cash dividends | $0 | 5,292 |
Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
Net operating income | $-1,581,000 | 8,669 |
2006-06-30 (YTD Data) | Rank | |
Total interest income | $1,857,000 | 6,311 |
Total interest expense | $987,000 | 5,259 |
Net interest income | $870,000 | 7,000 |
Provision for loan and lease losses | $268,000 | 1,666 |
Total noninterest income | $13,000 | 8,511 |
Gross Fiduciary activities income | $0 | 1,458 |
Service charges on deposit accounts | $7,000 | 7,483 |
Trading account gains and fees | $0 | 126 |
Additional Noninterest Income | $6,000 | 8,317 |
Total noninterest expense | $1,541,000 | 4,790 |
Salaries and employee benefits | $753,000 | 5,175 |
Premises and equipment expense | $275,000 | 4,040 |
Additional noninterest expense | $513,000 | 4,403 |
Pre-tax net operating income | $-926,000 | 8,670 |
Securities gains (losses) | $0 | 1,185 |
Applicable income taxes | $5,000 | 6,332 |
Income before extraordinary items | $-931,000 | 8,689 |
Extraordinary gains, net | $0 | 39 |
Net income | $-931,000 | 8,689 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 5,361 |
Cash dividends | $0 | 5,069 |
Sale, conversion, retirement of capital stock, net | $0 | 887 |
Net operating income | $-931,000 | 8,680 |
2006-03-31 (YTD Data) | Rank | |
Total interest income | $623,000 | 7,191 |
Total interest expense | $330,000 | 6,178 |
Net interest income | $293,000 | 7,753 |
Provision for loan and lease losses | $105,000 | 1,911 |
Total noninterest income | $3,000 | 8,612 |
Gross Fiduciary activities income | $0 | 1,380 |
Service charges on deposit accounts | $3,000 | 7,527 |
Trading account gains and fees | $0 | 115 |
Additional Noninterest Income | $0 | 8,611 |
Total noninterest expense | $738,000 | 4,960 |
Salaries and employee benefits | $369,000 | 5,268 |
Premises and equipment expense | $126,000 | 4,273 |
Additional noninterest expense | $243,000 | 4,562 |
Pre-tax net operating income | $-547,000 | 8,706 |
Securities gains (losses) | $0 | 955 |
Applicable income taxes | $3,000 | 6,254 |
Income before extraordinary items | $-550,000 | 8,716 |
Extraordinary gains, net | $0 | 21 |
Net income | $-550,000 | 8,715 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 4,399 |
Cash dividends | $0 | 3,943 |
Sale, conversion, retirement of capital stock, net | $0 | 648 |
Net operating income | $-550,000 | 8,706 |
2005-12-31 (YTD Data) | Rank | |
Total interest income | $242,000 | 8,740 |
Total interest expense | $67,000 | 8,670 |
Net interest income | $175,000 | 8,744 |
Provision for loan and lease losses | $3,000 | 7,042 |
Total noninterest income | $0 | 8,769 |
Gross Fiduciary activities income | $0 | 1,557 |
Service charges on deposit accounts | $0 | 7,759 |
Trading account gains and fees | $0 | 138 |
Additional Noninterest Income | $0 | 8,688 |
Total noninterest expense | $1,674,000 | 6,603 |
Salaries and employee benefits | $532,000 | 7,797 |
Premises and equipment expense | $301,000 | 5,720 |
Additional noninterest expense | $841,000 | 4,989 |
Pre-tax net operating income | $-1,502,000 | 8,720 |
Securities gains (losses) | $0 | 2,296 |
Applicable income taxes | $4,000 | 6,709 |
Income before extraordinary items | $-1,506,000 | 8,739 |
Extraordinary gains, net | $0 | 46 |
Net income | $-1,506,000 | 8,739 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $0 | 6,618 |
Cash dividends | $0 | 6,054 |
Sale, conversion, retirement of capital stock, net | $15,000,000 | 112 |
Net operating income | $-1,506,000 | 8,723 |
* 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.