National Savings Bank of Albany, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$54,319,000	724
Total interest expense	$29,319,000	657
Net interest income	$25,000,000	791
Provision for loan and lease losses	$4,219,000	656
Total noninterest income	$2,434,000	1,690
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$476,000	2,923
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,958,000	1,266
Total noninterest expense	$20,083,000	844
Salaries and employee benefits	$7,398,000	919
Premises and equipment expense	$2,050,000	1,091
Additional noninterest expense	$10,635,000	735
Pre-tax net operating income	$3,132,000	1,983
Securities gains (losses)	$75,000	3,478
Applicable income taxes	$2,440,000	953
Income before extraordinary items	$767,000	5,535
Extraordinary gains, net	$0	1,422
Net income	$767,000	5,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$485,000	2,514
Cash dividends	$1,746,000	966
Sale, conversion, retirement of capital stock, net	$467,000	579
Net operating income	$719,000	5,471

* 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.