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/SECOND AND FINAL ADD -- NY069 -- LIBERTY BANCORP/

 LIBERTY BANCORP, INC.
 Consolidated Statements of Earnings
 000's Omitted (Unaudited)
 Periods ended Three Months Six Months
 June 30 1993 1992 1993 1992
 Total interest income $ 9,628 $10,254 $19,196 $20,733
 Total interest expense 4,571 5,557 9,114 11,575
 Net interest income 5,057 4,697 10,082 9,158
 Provision for loan losses 222 218 435 424
 Net interest income after
 provision for loan loss 4,835 4,479 9,647 8,734
 Total non-interest income 151 301 291 479
 Total general and
 administrative expenses 2,255 2,233 4,595 4,323
 Income before income taxes
 and cumulative effect of
 changes in accounting
 principles 2,731 2,547 5,343 4,890
 Income taxes 1,017 832 2,010 1,750
 Income before cumulative
 effect of changes in
 accounting principles 1,714 1,715 3,333 3,140
 Cumulative effect at Jan. 1,
 1992, of change in accounting
 for income taxes -- -- -- 936
 Cumulative effect at Jan. 1,
 1992, of change in accounting
 for postretirement benefits
 other than pensions, net of
 income tax expense of $288,000 -- -- -- (455)
 Net income $ 1,714 $ 1,715 $ 3,333 $ 3,621
 PRIMARY EARNINGS PER SHARE:
 Income before cumulative
 effect of changes in
 accounting principles $ 0.54 $ 0.51 $ 1.06 $ 0.93
 Cumulative effect of change
 in accounting for income taxes -- -- -- 0.28
 Cumulative effect of change
 in accounting for post-
 retirement benefits -- -- -- (0.14)
 Net income $ 0.54 $ 0.51 $ 1.06 $ 1.07
 FULLY DILUTED EARNINGS PER SHARE:
 Income before cumulative
 effect of changes in
 accounting principles $ 0.54 $ 0.51 $ 1.05 $ 0.92
 Cumulative effect of change
 in accounting for income taxes -- -- -- 0.28
 Cumulative effect of change
 in accounting for post-
 retirement benefits -- -- -- (0.14)
 Net income $ 0.54 $ 0.51 $ 1.05 $ 1.06
 LIBERTY BANCORP, INC.
 Financial Ratios and Data
 000's Omitted
 Periods ended Three Months Six Months
 June 30 1993 1992 1993 1992
 SELECTED FINANCIAL RATIOS:
 Average shares
 fully diluted 3,168,056 3,380,285 3,167,714 3,399,283
 Return on average
 assets 1.31 pct 1.38 pct 1.29 pct 1.45 pct
 Interest rate spread 3.45 3.17 3.49 3.05
 Net interest margin 3.95 pct 3.86 pct 4.00 pct 3.76 pct
 Ratio of interest-earning
 assets to interest-bearing
 liabilities 1.14x 1.15x 1.14x 1.15x
 6/30/93 3/31/93 12/31/92 9/30/92
 OTHER FINANCIAL DATA:
 Common shares
 outstanding 3,000,491 2,989,891 3,017,148 3,140,938
 Stockholders' equity $ 70,099 $ 58,352 $ 67,383 $ 67,064
 Book value per share $ 23.36 $ 22.86 $ 22.33 $ 21.35
 Allowance for loan
 losses $ 3,067 $ 3,006 $ 2,850 $ 2,626
 Non-performing loans $ 974 $ 1,427 $ 1,008 $ 1,154
 Net charge-offs
 during the period $ 160 $ 58 $ 1 $ 4
 NOTES:
 -- Income and expense items have been annualized in calculating ratios for these periods.
 -- Dollars in thousands except per share and book value.
 -0- 7/12/93 AB NY069
 /PRNewswire -- July 12/
 /END SECOND AND FINAL ADD/
 (LBCI)


CO: Liberty Bancorp, Inc. ST: Illinois IN: FIN SU: ERN

GK -- NY069B -- 0588 07/12/93 16:53 EDT
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Publication:PR Newswire
Date:Jul 12, 1993
Words:539
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