Home > Alamance Bank > Income and Expense
Alamance Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,558,000 | 7,835 |
| Total interest expense | $694,000 | 7,059 |
| Net interest income | $864,000 | 8,136 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $110,000 | 7,841 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $38,000 | 7,258 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $72,000 | 6,898 |
| Total noninterest expense | $699,000 | 8,242 |
| Salaries and employee benefits | $341,000 | 8,380 |
| Premises and equipment expense | $88,000 | 7,987 |
| Additional noninterest expense | $270,000 | 7,810 |
| Pre-tax net operating income | $175,000 | 7,769 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $49,000 | 5,876 |
| Income before extraordinary items | $126,000 | 7,875 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $126,000 | 7,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,477 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $126,000 | 7,845 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,300,000 | 3,556 |
| Total interest expense | $2,758,000 | 2,712 |
| Net interest income | $3,542,000 | 4,124 |
| Provision for loan and lease losses | $1,421,000 | 537 |
| Total noninterest income | $732,000 | 3,634 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $189,000 | 4,590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $543,000 | 2,719 |
| Total noninterest expense | $3,207,000 | 3,649 |
| Salaries and employee benefits | $1,769,000 | 3,618 |
| Premises and equipment expense | $422,000 | 3,820 |
| Additional noninterest expense | $1,016,000 | 3,466 |
| Pre-tax net operating income | $-354,000 | 8,555 |
| Securities gains (losses) | $40,000 | 963 |
| Applicable income taxes | $-220,000 | 8,763 |
| Income before extraordinary items | $-94,000 | 8,449 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-94,000 | 8,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,618,000 | 348 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-119,600 | 8,439 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,100,000 | 3,553 |
| Total interest expense | $1,789,000 | 2,641 |
| Net interest income | $2,311,000 | 4,165 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $458,000 | 3,724 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $125,000 | 4,565 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $333,000 | 2,878 |
| Total noninterest expense | $2,172,000 | 3,585 |
| Salaries and employee benefits | $1,177,000 | 3,619 |
| Premises and equipment expense | $288,000 | 3,731 |
| Additional noninterest expense | $707,000 | 3,342 |
| Pre-tax net operating income | $507,000 | 5,452 |
| Securities gains (losses) | $40,000 | 877 |
| Applicable income taxes | $23,000 | 6,019 |
| Income before extraordinary items | $524,000 | 4,781 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $524,000 | 4,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 8,523 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $485,600 | 4,910 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,010,000 | 3,576 |
| Total interest expense | $850,000 | 2,651 |
| Net interest income | $1,160,000 | 4,175 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $188,000 | 4,139 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $58,000 | 4,666 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $130,000 | 3,252 |
| Total noninterest expense | $1,076,000 | 3,633 |
| Salaries and employee benefits | $562,000 | 3,758 |
| Premises and equipment expense | $149,000 | 3,665 |
| Additional noninterest expense | $365,000 | 3,254 |
| Pre-tax net operating income | $227,000 | 5,670 |
| Securities gains (losses) | $40,000 | 607 |
| Applicable income taxes | $18,000 | 5,732 |
| Income before extraordinary items | $249,000 | 4,881 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $249,000 | 4,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,672 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $211,800 | 5,251 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,308,000 | 3,692 |
| Total interest expense | $2,968,000 | 2,656 |
| Net interest income | $4,340,000 | 4,231 |
| Provision for loan and lease losses | $574,000 | 1,746 |
| Total noninterest income | $981,000 | 3,603 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $272,000 | 4,546 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $709,000 | 2,688 |
| Total noninterest expense | $4,552,000 | 3,381 |
| Salaries and employee benefits | $2,433,000 | 3,427 |
| Premises and equipment expense | $523,000 | 3,944 |
| Additional noninterest expense | $1,596,000 | 2,979 |
| Pre-tax net operating income | $195,000 | 7,800 |
| Securities gains (losses) | $122,000 | 1,116 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $317,000 | 7,156 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $317,000 | 7,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $503,000 | 1,334 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $195,000 | 7,635 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,360,000 | 3,720 |
| Total interest expense | $2,165,000 | 2,674 |
| Net interest income | $3,195,000 | 4,289 |
| Provision for loan and lease losses | $459,000 | 1,557 |
| Total noninterest income | $708,000 | 3,705 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $207,000 | 4,550 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $501,000 | 2,803 |
| Total noninterest expense | $3,295,000 | 3,460 |
| Salaries and employee benefits | $1,738,000 | 3,528 |
| Premises and equipment expense | $373,000 | 4,090 |
| Additional noninterest expense | $1,184,000 | 2,976 |
| Pre-tax net operating income | $149,000 | 7,914 |
| Securities gains (losses) | $122,000 | 1,055 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $271,000 | 7,087 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $271,000 | 7,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 1,652 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $149,000 | 7,743 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,516,000 | 3,760 |
| Total interest expense | $1,398,000 | 2,728 |
| Net interest income | $2,118,000 | 4,306 |
| Provision for loan and lease losses | $169,000 | 2,521 |
| Total noninterest income | $484,000 | 3,647 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $138,000 | 4,532 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $346,000 | 2,746 |
| Total noninterest expense | $2,126,000 | 3,563 |
| Salaries and employee benefits | $1,129,000 | 3,622 |
| Premises and equipment expense | $243,000 | 4,159 |
| Additional noninterest expense | $754,000 | 3,106 |
| Pre-tax net operating income | $307,000 | 6,456 |
| Securities gains (losses) | $28,000 | 1,835 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $335,000 | 5,783 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $335,000 | 5,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,403 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $307,000 | 5,905 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 3,814 |
| Total interest expense | $686,000 | 2,792 |
| Net interest income | $1,049,000 | 4,338 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $205,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $66,000 | 4,552 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $139,000 | 3,072 |
| Total noninterest expense | $1,078,000 | 3,550 |
| Salaries and employee benefits | $535,000 | 3,797 |
| Premises and equipment expense | $126,000 | 4,084 |
| Additional noninterest expense | $417,000 | 2,793 |
| Pre-tax net operating income | $151,000 | 6,425 |
| Securities gains (losses) | $28,000 | 1,532 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $179,000 | 5,607 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $179,000 | 5,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,552 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $151,000 | 5,878 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,921,000 | 3,862 |
| Total interest expense | $3,114,000 | 2,767 |
| Net interest income | $3,807,000 | 4,522 |
| Provision for loan and lease losses | $165,000 | 4,406 |
| Total noninterest income | $779,000 | 4,301 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $284,000 | 4,431 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $495,000 | 3,600 |
| Total noninterest expense | $3,817,000 | 3,842 |
| Salaries and employee benefits | $2,007,000 | 3,907 |
| Premises and equipment expense | $469,000 | 4,260 |
| Additional noninterest expense | $1,341,000 | 3,407 |
| Pre-tax net operating income | $604,000 | 6,327 |
| Securities gains (losses) | $215,000 | 1,295 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $819,000 | 5,183 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $819,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 2,363 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $604,000 | 5,757 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,163,000 | 3,924 |
| Total interest expense | $2,381,000 | 2,814 |
| Net interest income | $2,782,000 | 4,629 |
| Provision for loan and lease losses | $145,000 | 3,973 |
| Total noninterest income | $603,000 | 4,269 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $212,000 | 4,456 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $391,000 | 3,573 |
| Total noninterest expense | $2,746,000 | 3,945 |
| Salaries and employee benefits | $1,468,000 | 3,993 |
| Premises and equipment expense | $339,000 | 4,359 |
| Additional noninterest expense | $939,000 | 3,586 |
| Pre-tax net operating income | $494,000 | 6,313 |
| Securities gains (losses) | $215,000 | 1,185 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $709,000 | 4,966 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $709,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,031 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $494,000 | 5,714 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,404,000 | 4,001 |
| Total interest expense | $1,615,000 | 2,851 |
| Net interest income | $1,789,000 | 4,732 |
| Provision for loan and lease losses | $110,000 | 3,695 |
| Total noninterest income | $390,000 | 4,308 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $128,000 | 4,692 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $262,000 | 3,538 |
| Total noninterest expense | $1,762,000 | 4,066 |
| Salaries and employee benefits | $953,000 | 4,070 |
| Premises and equipment expense | $222,000 | 4,415 |
| Additional noninterest expense | $587,000 | 3,758 |
| Pre-tax net operating income | $307,000 | 6,462 |
| Securities gains (losses) | $215,000 | 1,004 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $522,000 | 4,684 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $522,000 | 4,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,770 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $307,000 | 5,851 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,746,000 | 3,930 |
| Total interest expense | $823,000 | 2,866 |
| Net interest income | $923,000 | 4,631 |
| Provision for loan and lease losses | $77,000 | 2,778 |
| Total noninterest income | $201,000 | 4,157 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 4,539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $136,000 | 3,389 |
| Total noninterest expense | $864,000 | 4,123 |
| Salaries and employee benefits | $488,000 | 3,973 |
| Premises and equipment expense | $108,000 | 4,477 |
| Additional noninterest expense | $268,000 | 4,001 |
| Pre-tax net operating income | $183,000 | 6,046 |
| Securities gains (losses) | $150,000 | 800 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $333,000 | 3,949 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $333,000 | 3,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 1,880 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $183,000 | 5,342 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,266,000 | 3,926 |
| Total interest expense | $3,242,000 | 3,315 |
| Net interest income | $4,024,000 | 4,331 |
| Provision for loan and lease losses | $632,000 | 1,975 |
| Total noninterest income | $528,000 | 5,064 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $275,000 | 4,444 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $253,000 | 4,587 |
| Total noninterest expense | $3,192,000 | 4,265 |
| Salaries and employee benefits | $1,593,000 | 4,469 |
| Premises and equipment expense | $400,000 | 4,653 |
| Additional noninterest expense | $1,199,000 | 3,609 |
| Pre-tax net operating income | $728,000 | 5,988 |
| Securities gains (losses) | $13,000 | 3,457 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $741,000 | 5,399 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $741,000 | 5,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,839 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,698,000 | 245 |
| Net operating income | $728,000 | 5,315 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,081,000 | 4,911 |
| Total interest expense | $3,161,000 | 4,543 |
| Net interest income | $2,920,000 | 5,166 |
| Provision for loan and lease losses | $687,000 | 1,699 |
| Total noninterest income | $278,000 | 6,596 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $167,000 | 5,549 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $111,000 | 6,181 |
| Total noninterest expense | $2,731,000 | 4,656 |
| Salaries and employee benefits | $1,431,000 | 4,676 |
| Premises and equipment expense | $374,000 | 4,810 |
| Additional noninterest expense | $926,000 | 4,314 |
| Pre-tax net operating income | $-220,000 | 8,980 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-219,000 | 9,066 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-219,000 | 9,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,715 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $907,000 | 430 |
| Net operating income | $-220,000 | 9,011 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,868,000 | 7,544 |
| Total interest expense | $1,465,000 | 7,235 |
| Net interest income | $1,403,000 | 7,638 |
| Provision for loan and lease losses | $383,000 | 2,357 |
| Total noninterest income | $90,000 | 8,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,570 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,238 |
| Total noninterest expense | $1,709,000 | 6,254 |
| Salaries and employee benefits | $889,000 | 6,354 |
| Premises and equipment expense | $213,000 | 6,566 |
| Additional noninterest expense | $607,000 | 5,749 |
| Pre-tax net operating income | $-599,000 | 9,588 |
| Securities gains (losses) | $-11,000 | 8,394 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-610,000 | 9,622 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-610,000 | 9,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 834 |
| Net operating income | $-599,000 | 9,618 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,231,000 | 9,388 |
| Total interest expense | $511,000 | 9,417 |
| Net interest income | $720,000 | 9,237 |
| Provision for loan and lease losses | $225,000 | 3,305 |
| Total noninterest income | $23,000 | 9,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 8,565 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 9,868 |
| Total noninterest expense | $1,167,000 | 7,656 |
| Salaries and employee benefits | $517,000 | 8,248 |
| Premises and equipment expense | $161,000 | 7,475 |
| Additional noninterest expense | $489,000 | 6,588 |
| Pre-tax net operating income | $-649,000 | 9,945 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-649,000 | 9,982 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-649,000 | 9,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,925 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-649,000 | 9,966 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $200,000 | 10,357 |
| Total interest expense | $63,000 | 10,334 |
| Net interest income | $137,000 | 10,350 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $3,000 | 10,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,319 |
| Total noninterest expense | $363,000 | 10,140 |
| Salaries and employee benefits | $133,000 | 10,303 |
| Premises and equipment expense | $55,000 | 9,708 |
| Additional noninterest expense | $175,000 | 9,400 |
| Pre-tax net operating income | $-323,000 | 10,089 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-323,000 | 10,135 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-323,000 | 10,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,258,000 | 161 |
| Net operating income | $-323,000 | 10,106 |
* 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.