Home > Harbor Bank > Income and Expense
Harbor Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,709,000 | 1,927 |
| Total interest expense | $5,429,000 | 1,665 |
| Net interest income | $9,280,000 | 2,103 |
| Provision for loan and lease losses | $1,062,000 | 1,125 |
| Total noninterest income | $1,794,000 | 2,499 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $638,000 | 2,566 |
| Trading account gains and fees | $23,000 | 143 |
| Additional Noninterest Income | $1,133,000 | 2,204 |
| Total noninterest expense | $8,577,000 | 1,851 |
| Salaries and employee benefits | $5,191,000 | 1,658 |
| Premises and equipment expense | $859,000 | 2,586 |
| Additional noninterest expense | $2,527,000 | 1,905 |
| Pre-tax net operating income | $1,435,000 | 4,235 |
| Securities gains (losses) | $107,000 | 1,824 |
| Applicable income taxes | $341,000 | 4,082 |
| Income before extraordinary items | $1,201,000 | 4,141 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,201,000 | 4,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,674 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $406,000 | 516 |
| Net operating income | $1,117,540 | 4,154 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,821,000 | 1,995 |
| Total interest expense | $4,169,000 | 1,696 |
| Net interest income | $6,652,000 | 2,195 |
| Provision for loan and lease losses | $796,000 | 1,094 |
| Total noninterest income | $1,366,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $466,000 | 2,634 |
| Trading account gains and fees | $22,000 | 138 |
| Additional Noninterest Income | $878,000 | 2,234 |
| Total noninterest expense | $5,217,000 | 2,270 |
| Salaries and employee benefits | $2,809,000 | 2,262 |
| Premises and equipment expense | $611,000 | 2,731 |
| Additional noninterest expense | $1,797,000 | 1,992 |
| Pre-tax net operating income | $2,005,000 | 2,850 |
| Securities gains (losses) | $103,000 | 1,721 |
| Applicable income taxes | $561,000 | 2,803 |
| Income before extraordinary items | $1,547,000 | 2,897 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,547,000 | 2,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,571 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $123,000 | 497 |
| Net operating income | $1,471,810 | 2,862 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,091,000 | 2,055 |
| Total interest expense | $2,836,000 | 1,717 |
| Net interest income | $4,255,000 | 2,286 |
| Provision for loan and lease losses | $531,000 | 1,083 |
| Total noninterest income | $786,000 | 2,793 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $288,000 | 2,741 |
| Trading account gains and fees | $17,000 | 133 |
| Additional Noninterest Income | $481,000 | 2,497 |
| Total noninterest expense | $3,356,000 | 2,337 |
| Salaries and employee benefits | $1,768,000 | 2,388 |
| Premises and equipment expense | $400,000 | 2,768 |
| Additional noninterest expense | $1,188,000 | 2,018 |
| Pre-tax net operating income | $1,154,000 | 3,177 |
| Securities gains (losses) | $103,000 | 1,487 |
| Applicable income taxes | $313,000 | 3,162 |
| Income before extraordinary items | $944,000 | 3,098 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $944,000 | 3,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,723 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $122,000 | 375 |
| Net operating income | $866,750 | 3,131 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,475,000 | 2,117 |
| Total interest expense | $1,436,000 | 1,741 |
| Net interest income | $2,039,000 | 2,381 |
| Provision for loan and lease losses | $265,000 | 1,059 |
| Total noninterest income | $346,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $130,000 | 2,900 |
| Trading account gains and fees | $14,000 | 116 |
| Additional Noninterest Income | $202,000 | 2,703 |
| Total noninterest expense | $1,602,000 | 2,421 |
| Salaries and employee benefits | $873,000 | 2,417 |
| Premises and equipment expense | $189,000 | 2,896 |
| Additional noninterest expense | $540,000 | 2,180 |
| Pre-tax net operating income | $518,000 | 3,410 |
| Securities gains (losses) | $19,000 | 1,926 |
| Applicable income taxes | $122,000 | 3,591 |
| Income before extraordinary items | $415,000 | 3,375 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $415,000 | 3,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $400,370 | 3,289 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,522,000 | 2,471 |
| Total interest expense | $5,487,000 | 2,050 |
| Net interest income | $7,035,000 | 2,719 |
| Provision for loan and lease losses | $890,000 | 1,497 |
| Total noninterest income | $1,098,000 | 3,270 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $518,000 | 2,888 |
| Trading account gains and fees | $12,000 | 135 |
| Additional Noninterest Income | $568,000 | 3,060 |
| Total noninterest expense | $5,594,000 | 2,647 |
| Salaries and employee benefits | $2,968,000 | 2,653 |
| Premises and equipment expense | $731,000 | 2,890 |
| Additional noninterest expense | $1,895,000 | 2,436 |
| Pre-tax net operating income | $1,649,000 | 3,863 |
| Securities gains (losses) | $42,000 | 2,561 |
| Applicable income taxes | $385,000 | 3,960 |
| Income before extraordinary items | $1,306,000 | 3,875 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,306,000 | 3,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 3,208 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $4,236,000 | 182 |
| Net operating income | $1,273,660 | 3,832 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,469,000 | 2,954 |
| Total interest expense | $6,084,000 | 2,626 |
| Net interest income | $5,385,000 | 3,234 |
| Provision for loan and lease losses | $385,000 | 2,702 |
| Total noninterest income | $669,000 | 4,299 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $359,000 | 3,697 |
| Trading account gains and fees | $36,000 | 141 |
| Additional Noninterest Income | $274,000 | 4,308 |
| Total noninterest expense | $4,198,000 | 3,283 |
| Salaries and employee benefits | $2,035,000 | 3,548 |
| Premises and equipment expense | $650,000 | 3,137 |
| Additional noninterest expense | $1,513,000 | 2,849 |
| Pre-tax net operating income | $1,471,000 | 3,915 |
| Securities gains (losses) | $66,000 | 2,098 |
| Applicable income taxes | $427,000 | 3,607 |
| Income before extraordinary items | $1,110,000 | 4,008 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,110,000 | 4,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 819 |
| Net operating income | $1,062,480 | 3,998 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,213,000 | 3,663 |
| Total interest expense | $4,821,000 | 3,433 |
| Net interest income | $4,392,000 | 3,885 |
| Provision for loan and lease losses | $371,000 | 2,417 |
| Total noninterest income | $301,000 | 6,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,317 |
| Total noninterest expense | $2,909,000 | 4,334 |
| Salaries and employee benefits | $1,314,000 | 4,866 |
| Premises and equipment expense | $516,000 | 3,701 |
| Additional noninterest expense | $1,079,000 | 3,750 |
| Pre-tax net operating income | $1,413,000 | 4,240 |
| Securities gains (losses) | $-110,000 | 9,444 |
| Applicable income taxes | $442,000 | 3,773 |
| Income before extraordinary items | $861,000 | 4,817 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $861,000 | 4,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,349 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $933,600 | 4,575 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,256,000 | 4,812 |
| Total interest expense | $3,189,000 | 4,370 |
| Net interest income | $3,067,000 | 5,075 |
| Provision for loan and lease losses | $144,000 | 4,363 |
| Total noninterest income | $163,000 | 7,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 6,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,365 |
| Total noninterest expense | $2,362,000 | 5,083 |
| Salaries and employee benefits | $1,152,000 | 5,325 |
| Premises and equipment expense | $414,000 | 4,407 |
| Additional noninterest expense | $796,000 | 4,800 |
| Pre-tax net operating income | $724,000 | 6,230 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $246,000 | 5,256 |
| Income before extraordinary items | $476,000 | 6,569 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $476,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,892 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,317,000 | 409 |
| Net operating income | $477,320 | 6,537 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,444,000 | 6,102 |
| Total interest expense | $2,229,000 | 5,787 |
| Net interest income | $2,215,000 | 6,269 |
| Provision for loan and lease losses | $353,000 | 2,298 |
| Total noninterest income | $73,000 | 9,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,089 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $1,645,000 | 6,332 |
| Salaries and employee benefits | $829,000 | 6,560 |
| Premises and equipment expense | $223,000 | 6,369 |
| Additional noninterest expense | $593,000 | 5,795 |
| Pre-tax net operating income | $290,000 | 8,453 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $-119,000 | 10,246 |
| Income before extraordinary items | $414,000 | 7,118 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $414,000 | 7,116 |
| 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 | $0 | 1,027 |
| Net operating income | $409,000 | 7,066 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,672,000 | 8,165 |
| Total interest expense | $1,166,000 | 8,212 |
| Net interest income | $1,506,000 | 7,962 |
| Provision for loan and lease losses | $313,000 | 2,507 |
| Total noninterest income | $35,000 | 10,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,473 |
| Total noninterest expense | $1,271,000 | 7,445 |
| Salaries and employee benefits | $695,000 | 7,340 |
| Premises and equipment expense | $189,000 | 7,042 |
| Additional noninterest expense | $387,000 | 7,467 |
| Pre-tax net operating income | $-43,000 | 10,436 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-36,000 | 10,449 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-36,000 | 10,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-43,000 | 10,425 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $757,000 | 11,065 |
| Total interest expense | $170,000 | 11,262 |
| Net interest income | $587,000 | 10,692 |
| Provision for loan and lease losses | $72,000 | 5,782 |
| Total noninterest income | $7,000 | 11,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 9,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,282 |
| Total noninterest expense | $1,138,000 | 8,201 |
| Salaries and employee benefits | $593,000 | 8,185 |
| Premises and equipment expense | $181,000 | 7,400 |
| Additional noninterest expense | $364,000 | 8,218 |
| Pre-tax net operating income | $-616,000 | 11,281 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-616,000 | 11,299 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-616,000 | 11,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $9,992,000 | 64 |
| Net operating income | $-616,000 | 11,274 |
* 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.