Home > Harbor Bank > Income and Expense
Harbor Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,663,000 | 1,969 |
| Total interest expense | $3,669,000 | 3,980 |
| Net interest income | $12,994,000 | 1,340 |
| Provision for loan and lease losses | $685,000 | 1,350 |
| Total noninterest income | $1,100,000 | 2,824 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $910,000 | 1,420 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $190,000 | 5,075 |
| Total noninterest expense | $10,495,000 | 1,266 |
| Salaries and employee benefits | $3,683,000 | 1,776 |
| Premises and equipment expense | $2,372,000 | 852 |
| Additional noninterest expense | $4,440,000 | 1,057 |
| Pre-tax net operating income | $2,914,000 | 2,554 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,113,000 | 2,221 |
| Income before extraordinary items | $1,801,000 | 2,828 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,801,000 | 2,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $678,000 | 1,054 |
| Cash dividends | $181,000 | 5,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,801,000 | 2,782 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,088,000 | 2,236 |
| Total interest expense | $3,059,000 | 4,705 |
| Net interest income | $12,029,000 | 1,482 |
| Provision for loan and lease losses | $1,159,000 | 921 |
| Total noninterest income | $1,169,000 | 2,739 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $965,000 | 1,395 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $204,000 | 5,105 |
| Total noninterest expense | $10,138,000 | 1,416 |
| Salaries and employee benefits | $3,654,000 | 1,806 |
| Premises and equipment expense | $2,574,000 | 847 |
| Additional noninterest expense | $3,910,000 | 1,381 |
| Pre-tax net operating income | $1,901,000 | 3,542 |
| Securities gains (losses) | $19,000 | 2,034 |
| Applicable income taxes | $683,000 | 3,234 |
| Income before extraordinary items | $1,237,000 | 3,778 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,237,000 | 3,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,425,000 | 713 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,224,840 | 3,762 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,097,000 | 2,379 |
| Total interest expense | $2,641,000 | 5,320 |
| Net interest income | $11,456,000 | 1,560 |
| Provision for loan and lease losses | $312,000 | 2,221 |
| Total noninterest income | $1,089,000 | 2,920 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $863,000 | 1,567 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $226,000 | 4,773 |
| Total noninterest expense | $10,328,000 | 1,373 |
| Salaries and employee benefits | $3,473,000 | 1,909 |
| Premises and equipment expense | $2,459,000 | 888 |
| Additional noninterest expense | $4,396,000 | 1,241 |
| Pre-tax net operating income | $1,905,000 | 3,652 |
| Securities gains (losses) | $54,000 | 1,255 |
| Applicable income taxes | $679,000 | 3,325 |
| Income before extraordinary items | $1,280,000 | 3,732 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,280,000 | 3,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $533,000 | 1,328 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,244,900 | 3,816 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,950,000 | 2,534 |
| Total interest expense | $2,006,000 | 5,601 |
| Net interest income | $9,944,000 | 1,820 |
| Provision for loan and lease losses | $1,088,000 | 871 |
| Total noninterest income | $1,170,000 | 2,778 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $945,000 | 1,425 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $225,000 | 4,885 |
| Total noninterest expense | $9,803,000 | 1,503 |
| Salaries and employee benefits | $3,109,000 | 2,127 |
| Premises and equipment expense | $2,301,000 | 929 |
| Additional noninterest expense | $4,393,000 | 1,316 |
| Pre-tax net operating income | $223,000 | 10,720 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $20,000 | 11,148 |
| Income before extraordinary items | $202,000 | 10,248 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $202,000 | 10,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,531,000 | 678 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $202,910 | 10,297 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,250,000 | 2,514 |
| Total interest expense | $1,903,000 | 6,084 |
| Net interest income | $10,347,000 | 1,743 |
| Provision for loan and lease losses | $2,958,000 | 619 |
| Total noninterest income | $1,065,000 | 3,178 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $850,000 | 1,613 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $215,000 | 5,444 |
| Total noninterest expense | $9,797,000 | 1,548 |
| Salaries and employee benefits | $3,104,000 | 2,128 |
| Premises and equipment expense | $2,474,000 | 901 |
| Additional noninterest expense | $4,219,000 | 1,450 |
| Pre-tax net operating income | $-1,343,000 | 13,025 |
| Securities gains (losses) | $146,000 | 2,007 |
| Applicable income taxes | $-497,000 | 13,137 |
| Income before extraordinary items | $-700,000 | 12,945 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-700,000 | 12,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,252,000 | 979 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-793,440 | 12,922 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,317,000 | 2,842 |
| Total interest expense | $2,548,000 | 5,896 |
| Net interest income | $9,769,000 | 1,874 |
| Provision for loan and lease losses | $484,000 | 3,079 |
| Total noninterest income | $1,324,000 | 2,641 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $780,000 | 1,728 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $544,000 | 3,017 |
| Total noninterest expense | $9,220,000 | 1,648 |
| Salaries and employee benefits | $3,116,000 | 2,110 |
| Premises and equipment expense | $2,722,000 | 876 |
| Additional noninterest expense | $3,382,000 | 1,800 |
| Pre-tax net operating income | $1,389,000 | 4,343 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $568,000 | 3,589 |
| Income before extraordinary items | $833,000 | 5,204 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $833,000 | 5,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 4,763 |
| Cash dividends | $156,000 | 5,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $825,320 | 4,936 |
* 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.