Home > LibertyPointe Bank > Income and Expense

LibertyPointe Bank, Income and Expense

2009-12-31 (YTD Data)Rank
Total interest income$11,319,0002,899
Total interest expense$6,106,0001,896
Net interest income$5,213,0003,838
Provision for loan and lease losses$6,495,0001,187
Total noninterest income$416,0005,058
Gross Fiduciary activities income$01,390
Service charges on deposit accounts$224,0004,433
Trading account gains and fees$0211
Additional Noninterest Income$192,0004,698
Total noninterest expense$9,775,0002,067
Salaries and employee benefits$3,493,0002,790
Premises and equipment expense$2,474,0001,106
Additional noninterest expense$3,808,0001,928
Pre-tax net operating income$-10,641,0007,512
Securities gains (losses)$20,0003,038
Applicable income taxes$120,0002,755
Income before extraordinary items$-10,741,0007,582
Extraordinary gains, net$034
Net income$-10,741,0007,580
Minority interest net income$0115
Net income of bank and minority interests.$-10,741,0007,581
Net charge-offs$5,467,0001,067
Cash dividends$04,670
Sale, conversion, retirement of capital stock, net$01,342
Net operating income$-10,761,0007,583
2009-09-30 (YTD Data)Rank
Total interest income$9,011,0002,789
Total interest expense$4,822,0001,884
Net interest income$4,189,0003,675
Provision for loan and lease losses$6,259,000891
Total noninterest income$228,0005,648
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$179,0004,331
Trading account gains and fees$0212
Additional Noninterest Income$49,0006,248
Total noninterest expense$7,775,0001,934
Salaries and employee benefits$2,668,0002,762
Premises and equipment expense$1,856,0001,111
Additional noninterest expense$3,251,0001,667
Pre-tax net operating income$-9,617,0007,729
Securities gains (losses)$20,0002,745
Applicable income taxes$90,0002,952
Income before extraordinary items$-9,687,0007,769
Extraordinary gains, net$027
Net income$-9,687,0007,768
Minority interest net income$0118
Net income of bank and minority interests.$-9,687,0007,769
Net charge-offs$1,576,0001,727
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-9,707,0007,776
2009-06-30 (YTD Data)Rank
Total interest income$6,640,0002,577
Total interest expense$3,382,0001,889
Net interest income$3,258,0003,231
Provision for loan and lease losses$2,435,0001,244
Total noninterest income$211,0005,131
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$112,0004,425
Trading account gains and fees$0193
Additional Noninterest Income$99,0004,807
Total noninterest expense$4,740,0002,135
Salaries and employee benefits$1,832,0002,717
Premises and equipment expense$1,232,0001,140
Additional noninterest expense$1,676,0002,116
Pre-tax net operating income$-3,706,0007,638
Securities gains (losses)$20,0002,324
Applicable income taxes$60,0003,028
Income before extraordinary items$-3,746,0007,701
Extraordinary gains, net$021
Net income$-3,746,0007,700
Minority interest net income$0112
Net income of bank and minority interests.$-3,746,0007,700
Net charge-offs$1,135,0001,546
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-3,766,0007,712
2009-03-31 (YTD Data)Rank
Total interest income$3,599,0002,412
Total interest expense$1,789,0001,856
Net interest income$1,810,0002,956
Provision for loan and lease losses$600,0001,587
Total noninterest income$165,0004,203
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$65,0004,118
Trading account gains and fees$0171
Additional Noninterest Income$100,0003,652
Total noninterest expense$2,289,0002,159
Salaries and employee benefits$961,0002,633
Premises and equipment expense$618,0001,164
Additional noninterest expense$710,0002,201
Pre-tax net operating income$-914,0007,603
Securities gains (losses)$98,0001,009
Applicable income taxes$30,0003,285
Income before extraordinary items$-846,0007,655
Extraordinary gains, net$015
Net income$-846,0007,656
Minority interest net income$0102
Net income of bank and minority interests.$-846,0007,656
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-944,0007,681
2008-12-31 (YTD Data)Rank
Total interest income$15,876,0002,350
Total interest expense$9,050,0001,780
Net interest income$6,826,0003,131
Provision for loan and lease losses$6,876,000795
Total noninterest income$321,0005,718
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$152,0005,293
Trading account gains and fees$0154
Additional Noninterest Income$169,0005,122
Total noninterest expense$9,270,0002,079
Salaries and employee benefits$4,352,0002,324
Premises and equipment expense$2,280,0001,204
Additional noninterest expense$2,638,0002,244
Pre-tax net operating income$-8,999,0007,967
Securities gains (losses)$-2,526,0007,947
Applicable income taxes$121,0003,235
Income before extraordinary items$-11,646,0008,026
Extraordinary gains, net$039
Net income$-11,646,0008,026
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,023,000996
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-9,120,0008,013
2008-09-30 (YTD Data)Rank
Total interest income$12,054,0002,372
Total interest expense$6,928,0001,816
Net interest income$5,126,0003,142
Provision for loan and lease losses$2,315,0001,070
Total noninterest income$243,0005,766
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$111,0005,379
Trading account gains and fees$0148
Additional Noninterest Income$132,0005,166
Total noninterest expense$6,878,0002,086
Salaries and employee benefits$3,286,0002,341
Premises and equipment expense$1,666,0001,231
Additional noninterest expense$1,926,0002,234
Pre-tax net operating income$-3,824,0008,073
Securities gains (losses)$03,106
Applicable income taxes$91,0003,664
Income before extraordinary items$-3,915,0008,080
Extraordinary gains, net$031
Net income$-3,915,0008,078
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$523,0001,916
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-3,915,0008,131
2008-06-30 (YTD Data)Rank
Total interest income$7,848,0002,465
Total interest expense$4,584,0001,880
Net interest income$3,264,0003,265
Provision for loan and lease losses$1,375,0001,008
Total noninterest income$197,0005,459
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$72,0005,440
Trading account gains and fees$0149
Additional Noninterest Income$125,0004,644
Total noninterest expense$4,707,0002,035
Salaries and employee benefits$2,314,0002,245
Premises and equipment expense$1,018,0001,360
Additional noninterest expense$1,375,0002,069
Pre-tax net operating income$-2,621,0008,218
Securities gains (losses)$03,233
Applicable income taxes$60,0003,909
Income before extraordinary items$-2,681,0008,256
Extraordinary gains, net$021
Net income$-2,681,0008,255
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$445,0001,422
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-2,681,0008,251
2008-03-31 (YTD Data)Rank
Total interest income$3,894,0002,528
Total interest expense$2,217,0002,064
Net interest income$1,677,0003,186
Provision for loan and lease losses$450,0001,056
Total noninterest income$8,0008,113
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$34,0005,506
Trading account gains and fees$0158
Additional Noninterest Income$-26,0008,427
Total noninterest expense$2,253,0002,129
Salaries and employee benefits$1,155,0002,275
Premises and equipment expense$495,0001,408
Additional noninterest expense$603,0002,298
Pre-tax net operating income$-1,018,0008,275
Securities gains (losses)$02,688
Applicable income taxes$29,0004,079
Income before extraordinary items$-1,047,0008,309
Extraordinary gains, net$015
Net income$-1,047,0008,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-1,047,0008,300
2007-12-31 (YTD Data)Rank
Total interest income$13,228,0003,012
Total interest expense$7,776,0002,376
Net interest income$5,452,0003,755
Provision for loan and lease losses$1,111,0001,316
Total noninterest income$253,0006,372
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$82,0006,271
Trading account gains and fees$0178
Additional Noninterest Income$171,0005,356
Total noninterest expense$6,123,0002,916
Salaries and employee benefits$2,671,0003,540
Premises and equipment expense$1,813,0001,473
Additional noninterest expense$1,639,0003,171
Pre-tax net operating income$-1,529,0008,198
Securities gains (losses)$02,146
Applicable income taxes$78,0004,649
Income before extraordinary items$-1,607,0008,259
Extraordinary gains, net$039
Net income$-1,607,0008,256
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$-1,607,0008,251
2007-09-30 (YTD Data)Rank
Total interest income$9,536,0003,133
Total interest expense$5,542,0002,491
Net interest income$3,994,0003,829
Provision for loan and lease losses$801,0001,091
Total noninterest income$184,0006,474
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$50,0006,529
Trading account gains and fees$0184
Additional Noninterest Income$134,0005,292
Total noninterest expense$3,875,0003,329
Salaries and employee benefits$1,983,0003,568
Premises and equipment expense$790,0002,442
Additional noninterest expense$1,102,0003,429
Pre-tax net operating income$-498,0008,075
Securities gains (losses)$01,655
Applicable income taxes$51,0004,930
Income before extraordinary items$-549,0008,159
Extraordinary gains, net$033
Net income$-549,0008,155
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$-549,0008,146
2007-06-30 (YTD Data)Rank
Total interest income$5,942,0003,322
Total interest expense$3,494,0002,623
Net interest income$2,448,0004,105
Provision for loan and lease losses$443,0001,148
Total noninterest income$135,0006,308
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$23,0006,894
Trading account gains and fees$0168
Additional Noninterest Income$112,0004,907
Total noninterest expense$2,238,0003,785
Salaries and employee benefits$1,217,0003,829
Premises and equipment expense$447,0002,837
Additional noninterest expense$574,0004,146
Pre-tax net operating income$-98,0007,972
Securities gains (losses)$01,444
Applicable income taxes$30,0005,109
Income before extraordinary items$-128,0008,044
Extraordinary gains, net$029
Net income$-128,0008,043
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-128,0008,037
2007-03-31 (YTD Data)Rank
Total interest income$2,745,0003,534
Total interest expense$1,660,0002,732
Net interest income$1,085,0004,457
Provision for loan and lease losses$118,0001,828
Total noninterest income$51,0006,791
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$15,0006,674
Trading account gains and fees$0195
Additional Noninterest Income$36,0005,687
Total noninterest expense$982,0004,200
Salaries and employee benefits$574,0004,005
Premises and equipment expense$213,0002,959
Additional noninterest expense$195,0005,341
Pre-tax net operating income$36,0007,462
Securities gains (losses)$01,187
Applicable income taxes$9,0005,389
Income before extraordinary items$27,0007,509
Extraordinary gains, net$022
Net income$27,0007,508
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$27,0007,493
2006-12-31 (YTD Data)Rank
Total interest income$5,900,0005,070
Total interest expense$3,576,0003,860
Net interest income$2,324,0006,203
Provision for loan and lease losses$851,0001,210
Total noninterest income$44,0008,255
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$26,0007,206
Trading account gains and fees$0130
Additional Noninterest Income$18,0008,036
Total noninterest expense$4,153,0003,878
Salaries and employee benefits$1,845,0004,534
Premises and equipment expense$852,0002,843
Additional noninterest expense$1,456,0003,368
Pre-tax net operating income$-2,636,0008,619
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-2,636,0008,631
Extraordinary gains, net$051
Net income$-2,636,0008,631
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$-2,636,0008,622
2006-09-30 (YTD Data)Rank
Total interest income$3,609,0005,665
Total interest expense$2,143,0004,356
Net interest income$1,466,0006,679
Provision for loan and lease losses$471,0001,467
Total noninterest income$29,0008,373
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$17,0007,322
Trading account gains and fees$0126
Additional Noninterest Income$12,0008,141
Total noninterest expense$2,598,0004,419
Salaries and employee benefits$1,204,0004,952
Premises and equipment expense$484,0003,559
Additional noninterest expense$910,0003,889
Pre-tax net operating income$-1,574,0008,666
Securities gains (losses)$01,388
Applicable income taxes$7,0006,326
Income before extraordinary items$-1,581,0008,679
Extraordinary gains, net$045
Net income$-1,581,0008,679
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$-1,581,0008,669
2006-06-30 (YTD Data)Rank
Total interest income$1,857,0006,311
Total interest expense$987,0005,259
Net interest income$870,0007,000
Provision for loan and lease losses$268,0001,666
Total noninterest income$13,0008,511
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$7,0007,483
Trading account gains and fees$0126
Additional Noninterest Income$6,0008,317
Total noninterest expense$1,541,0004,790
Salaries and employee benefits$753,0005,175
Premises and equipment expense$275,0004,040
Additional noninterest expense$513,0004,403
Pre-tax net operating income$-926,0008,670
Securities gains (losses)$01,185
Applicable income taxes$5,0006,332
Income before extraordinary items$-931,0008,689
Extraordinary gains, net$039
Net income$-931,0008,689
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$-931,0008,680
2006-03-31 (YTD Data)Rank
Total interest income$623,0007,191
Total interest expense$330,0006,178
Net interest income$293,0007,753
Provision for loan and lease losses$105,0001,911
Total noninterest income$3,0008,612
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$3,0007,527
Trading account gains and fees$0115
Additional Noninterest Income$08,611
Total noninterest expense$738,0004,960
Salaries and employee benefits$369,0005,268
Premises and equipment expense$126,0004,273
Additional noninterest expense$243,0004,562
Pre-tax net operating income$-547,0008,706
Securities gains (losses)$0955
Applicable income taxes$3,0006,254
Income before extraordinary items$-550,0008,716
Extraordinary gains, net$021
Net income$-550,0008,715
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$-550,0008,706
2005-12-31 (YTD Data)Rank
Total interest income$242,0008,740
Total interest expense$67,0008,670
Net interest income$175,0008,744
Provision for loan and lease losses$3,0007,042
Total noninterest income$08,769
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$07,759
Trading account gains and fees$0138
Additional Noninterest Income$08,688
Total noninterest expense$1,674,0006,603
Salaries and employee benefits$532,0007,797
Premises and equipment expense$301,0005,720
Additional noninterest expense$841,0004,989
Pre-tax net operating income$-1,502,0008,720
Securities gains (losses)$02,296
Applicable income taxes$4,0006,709
Income before extraordinary items$-1,506,0008,739
Extraordinary gains, net$046
Net income$-1,506,0008,739
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$15,000,000112
Net operating income$-1,506,0008,723

* 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.