Home > ALBANK Commercial > Income and Expense
ALBANK Commercial, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $38,568,000 | 866 |
| Total interest expense | $22,231,000 | 734 |
| Net interest income | $16,337,000 | 1,035 |
| Provision for loan and lease losses | $450,000 | 1,869 |
| Total noninterest income | $5,504,000 | 873 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,979,000 | 445 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,525,000 | 1,013 |
| Total noninterest expense | $17,774,000 | 817 |
| Salaries and employee benefits | $7,126,000 | 923 |
| Premises and equipment expense | $2,154,000 | 903 |
| Additional noninterest expense | $8,494,000 | 658 |
| Pre-tax net operating income | $3,617,000 | 2,007 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,458,000 | 1,673 |
| Income before extraordinary items | $2,159,000 | 2,383 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,159,000 | 2,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $683,000 | 990 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,159,000 | 2,308 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,238,000 | 5,605 |
| Total interest expense | $2,706,000 | 5,095 |
| Net interest income | $2,532,000 | 6,000 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $798,000 | 3,573 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $389,000 | 3,299 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $409,000 | 3,244 |
| Total noninterest expense | $2,527,000 | 4,747 |
| Salaries and employee benefits | $1,111,000 | 5,432 |
| Premises and equipment expense | $255,000 | 5,987 |
| Additional noninterest expense | $1,161,000 | 3,441 |
| Pre-tax net operating income | $803,000 | 6,534 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $325,000 | 5,506 |
| Income before extraordinary items | $478,000 | 7,116 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $478,000 | 7,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,011 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $67,880,000 | 14 |
| Net operating income | $478,000 | 7,064 |
* 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.