Home > Harbor Bank > Income and Expense
Harbor Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,745,000 | 4,553 |
| Total interest expense | $3,099,000 | 4,606 |
| Net interest income | $3,646,000 | 4,437 |
| Provision for loan and lease losses | $2,852,000 | 532 |
| Total noninterest income | $357,000 | 5,969 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $232,000 | 4,812 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $125,000 | 5,909 |
| Total noninterest expense | $3,366,000 | 3,949 |
| Salaries and employee benefits | $1,319,000 | 4,976 |
| Premises and equipment expense | $415,000 | 4,487 |
| Additional noninterest expense | $1,632,000 | 2,667 |
| Pre-tax net operating income | $-2,215,000 | 9,497 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-2,215,000 | 9,533 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-2,215,000 | 9,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $610,000 | 1,349 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $621,000 | 471 |
| Net operating income | $-2,215,000 | 9,512 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,584,000 | 5,333 |
| Total interest expense | $2,396,000 | 5,711 |
| Net interest income | $3,188,000 | 4,934 |
| Provision for loan and lease losses | $362,000 | 2,476 |
| Total noninterest income | $306,000 | 6,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,386 |
| Total noninterest expense | $2,513,000 | 4,837 |
| Salaries and employee benefits | $1,041,000 | 5,762 |
| Premises and equipment expense | $358,000 | 4,860 |
| Additional noninterest expense | $1,114,000 | 3,664 |
| Pre-tax net operating income | $619,000 | 6,512 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $619,000 | 5,755 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $619,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,734 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,116,000 | 349 |
| Net operating income | $619,000 | 5,759 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,161,000 | 7,189 |
| Total interest expense | $1,131,000 | 7,829 |
| Net interest income | $2,030,000 | 6,588 |
| Provision for loan and lease losses | $219,000 | 3,378 |
| Total noninterest income | $200,000 | 7,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,147 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,482 |
| Total noninterest expense | $1,999,000 | 5,682 |
| Salaries and employee benefits | $830,000 | 6,615 |
| Premises and equipment expense | $348,000 | 4,979 |
| Additional noninterest expense | $821,000 | 4,695 |
| Pre-tax net operating income | $12,000 | 9,364 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $12,000 | 9,403 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,000 | 9,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 919 |
| Net operating income | $12,000 | 9,373 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,789,000 | 8,942 |
| Total interest expense | $615,000 | 9,436 |
| Net interest income | $1,174,000 | 8,387 |
| Provision for loan and lease losses | $219,000 | 3,340 |
| Total noninterest income | $103,000 | 8,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $1,454,000 | 6,815 |
| Salaries and employee benefits | $558,000 | 7,996 |
| Premises and equipment expense | $237,000 | 6,158 |
| Additional noninterest expense | $659,000 | 5,393 |
| Pre-tax net operating income | $-396,000 | 10,135 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-396,000 | 10,180 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-396,000 | 10,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,026 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 903 |
| Net operating income | $-396,000 | 10,153 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $432,000 | 10,738 |
| Total interest expense | $133,000 | 10,745 |
| Net interest income | $299,000 | 10,682 |
| Provision for loan and lease losses | $67,000 | 5,992 |
| Total noninterest income | $18,000 | 10,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 9,265 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,577 |
| Total noninterest expense | $570,000 | 9,858 |
| Salaries and employee benefits | $241,000 | 10,323 |
| Premises and equipment expense | $75,000 | 9,576 |
| Additional noninterest expense | $254,000 | 8,798 |
| Pre-tax net operating income | $-320,000 | 10,646 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-320,000 | 10,681 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-320,000 | 10,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $4,072,000 | 246 |
| Net operating income | $-320,000 | 10,661 |
* 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.