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Harbor Community Bank, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$1,624,0007,231
Total interest expense$369,0007,354
Net interest income$1,255,0007,099
Provision for loan and lease losses$-100,0008,869
Total noninterest income$228,0006,425
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$165,0005,072
Trading account gains and fees$0134
Additional Noninterest Income$63,0006,728
Total noninterest expense$1,341,0006,347
Salaries and employee benefits$818,0005,949
Premises and equipment expense$259,0005,236
Additional noninterest expense$264,0007,383
Pre-tax net operating income$242,0007,490
Securities gains (losses)$30,0002,041
Applicable income taxes$72,0005,681
Income before extraordinary items$200,0007,481
Extraordinary gains, net$026
Net income$200,0007,481
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,579
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$177,8007,553
2004-06-30 (YTD Data)Rank
Total interest income$1,075,0007,294
Total interest expense$228,0007,568
Net interest income$847,0007,102
Provision for loan and lease losses$-100,0008,959
Total noninterest income$141,0006,599
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$109,0005,084
Trading account gains and fees$0130
Additional Noninterest Income$32,0007,137
Total noninterest expense$915,0006,306
Salaries and employee benefits$544,0005,994
Premises and equipment expense$183,0005,061
Additional noninterest expense$188,0007,273
Pre-tax net operating income$173,0007,395
Securities gains (losses)$30,0001,791
Applicable income taxes$56,0005,519
Income before extraordinary items$147,0007,348
Extraordinary gains, net$021
Net income$147,0007,348
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0007,314
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$125,4007,475
2004-03-31 (YTD Data)Rank
Total interest income$521,0007,402
Total interest expense$107,0007,728
Net interest income$414,0007,183
Provision for loan and lease losses$-100,0009,031
Total noninterest income$63,0006,769
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$53,0005,065
Trading account gains and fees$0121
Additional Noninterest Income$10,0007,740
Total noninterest expense$480,0006,176
Salaries and employee benefits$277,0005,980
Premises and equipment expense$89,0005,208
Additional noninterest expense$114,0006,822
Pre-tax net operating income$97,0007,206
Securities gains (losses)$30,0001,495
Applicable income taxes$10,0006,242
Income before extraordinary items$117,0006,569
Extraordinary gains, net$016
Net income$117,0006,568
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$89,4006,990
2003-12-31 (YTD Data)Rank
Total interest income$2,283,0007,272
Total interest expense$471,0007,839
Net interest income$1,812,0006,880
Provision for loan and lease losses$-75,0009,009
Total noninterest income$340,0006,320
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$227,0004,982
Trading account gains and fees$0160
Additional Noninterest Income$113,0006,329
Total noninterest expense$2,195,0005,691
Salaries and employee benefits$1,159,0005,760
Premises and equipment expense$537,0003,849
Additional noninterest expense$499,0006,561
Pre-tax net operating income$32,0008,441
Securities gains (losses)$114,0001,775
Applicable income taxes$07,459
Income before extraordinary items$146,0008,028
Extraordinary gains, net$054
Net income$146,0008,031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0008,392
Cash dividends$87,0005,657
Sale, conversion, retirement of capital stock, net$0868
Net operating income$32,0008,437
2003-09-30 (YTD Data)Rank
Total interest income$1,725,0007,337
Total interest expense$359,0007,971
Net interest income$1,366,0006,906
Provision for loan and lease losses$-75,0009,119
Total noninterest income$260,0006,328
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$166,0005,065
Trading account gains and fees$0153
Additional Noninterest Income$94,0006,195
Total noninterest expense$1,655,0005,643
Salaries and employee benefits$865,0005,737
Premises and equipment expense$427,0003,665
Additional noninterest expense$363,0006,625
Pre-tax net operating income$46,0008,471
Securities gains (losses)$99,0001,763
Applicable income taxes$07,524
Income before extraordinary items$145,0007,940
Extraordinary gains, net$040
Net income$145,0007,941
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0008,221
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$46,0008,434
2003-06-30 (YTD Data)Rank
Total interest income$1,155,0007,382
Total interest expense$245,0008,041
Net interest income$910,0006,913
Provision for loan and lease losses$-75,0009,176
Total noninterest income$183,0006,195
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$113,0004,977
Trading account gains and fees$0150
Additional Noninterest Income$70,0005,983
Total noninterest expense$1,086,0005,703
Salaries and employee benefits$579,0005,736
Premises and equipment expense$96,0006,867
Additional noninterest expense$411,0004,909
Pre-tax net operating income$82,0008,145
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$82,0008,124
Extraordinary gains, net$030
Net income$82,0008,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0008,111
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$82,0007,963
2003-03-31 (YTD Data)Rank
Total interest income$586,0007,382
Total interest expense$124,0008,118
Net interest income$462,0006,878
Provision for loan and lease losses$-75,0009,249
Total noninterest income$88,0006,207
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$59,0004,806
Trading account gains and fees$0134
Additional Noninterest Income$29,0006,299
Total noninterest expense$574,0005,488
Salaries and employee benefits$290,0005,735
Premises and equipment expense$41,0007,269
Additional noninterest expense$243,0004,314
Pre-tax net operating income$51,0007,986
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$51,0007,870
Extraordinary gains, net$021
Net income$51,0007,869
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,0007,979
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$51,0007,718
2002-12-31 (YTD Data)Rank
Total interest income$2,615,0007,241
Total interest expense$672,0007,892
Net interest income$1,943,0006,711
Provision for loan and lease losses$9,0007,866
Total noninterest income$319,0006,334
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$245,0004,747
Trading account gains and fees$0153
Additional Noninterest Income$74,0006,996
Total noninterest expense$1,968,0005,926
Salaries and employee benefits$1,065,0005,912
Premises and equipment expense$416,0004,510
Additional noninterest expense$487,0006,581
Pre-tax net operating income$285,0007,598
Securities gains (losses)$04,537
Applicable income taxes$25,0006,930
Income before extraordinary items$260,0007,510
Extraordinary gains, net$070
Net income$260,0007,509
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-96,0009,230
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$260,0007,417
2001-12-31 (YTD Data)Rank
Total interest income$3,199,0007,036
Total interest expense$1,296,0007,413
Net interest income$1,903,0006,595
Provision for loan and lease losses$18,0007,646
Total noninterest income$339,0006,096
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$227,0004,861
Trading account gains and fees$0177
Additional Noninterest Income$112,0006,154
Total noninterest expense$1,897,0005,940
Salaries and employee benefits$1,042,0005,846
Premises and equipment expense$403,0004,581
Additional noninterest expense$452,0006,771
Pre-tax net operating income$327,0007,284
Securities gains (losses)$04,612
Applicable income taxes$67,0006,441
Income before extraordinary items$260,0007,373
Extraordinary gains, net$0105
Net income$260,0007,374
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0006,947
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$260,0007,254
2000-12-31 (YTD Data)Rank
Total interest income$3,634,0006,792
Total interest expense$1,675,0006,816
Net interest income$1,959,0006,620
Provision for loan and lease losses$899,0001,170
Total noninterest income$316,0006,164
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$224,0004,823
Trading account gains and feesNANA
Additional Noninterest Income$92,0006,616
Total noninterest expense$1,966,0005,742
Salaries and employee benefits$1,062,0005,684
Premises and equipment expense$432,0004,255
Additional noninterest expense$472,0006,634
Pre-tax net operating income$-590,0009,586
Securities gains (losses)$-4,0007,844
Applicable income taxes$-287,0009,739
Income before extraordinary items$-307,0009,447
Extraordinary gains, net$038
Net income$-307,0009,445
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$813,000867
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-304,4409,447
1999-12-31 (YTD Data)Rank
Total interest income$3,445,0006,889
Total interest expense$1,429,0007,135
Net interest income$2,016,0006,620
Provision for loan and lease losses$28,0007,340
Total noninterest income$312,0006,335
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$203,0005,078
Trading account gains and feesNANA
Additional Noninterest Income$109,0006,428
Total noninterest expense$1,815,0006,054
Salaries and employee benefits$1,037,0005,737
Premises and equipment expense$368,0004,800
Additional noninterest expense$410,0007,182
Pre-tax net operating income$485,0007,205
Securities gains (losses)$03,155
Applicable income taxes$123,0006,608
Income before extraordinary items$362,0007,215
Extraordinary gains, net$035
Net income$362,0007,216
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$176,0005,427
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$362,0007,188
1998-12-31 (YTD Data)Rank
Total interest income$3,508,0006,941
Total interest expense$1,541,0007,105
Net interest income$1,967,0006,725
Provision for loan and lease losses$4,0008,522
Total noninterest income$268,0006,800
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$181,0005,420
Trading account gains and feesNANA
Additional Noninterest Income$87,0006,959
Total noninterest expense$1,671,0006,282
Salaries and employee benefits$989,0005,833
Premises and equipment expense$303,0005,351
Additional noninterest expense$379,0007,394
Pre-tax net operating income$560,0007,109
Securities gains (losses)$6,0003,324
Applicable income taxes$150,0006,830
Income before extraordinary items$416,0007,116
Extraordinary gains, net$032
Net income$416,0007,114
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$350,0004,247
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$411,6207,049
1997-12-31 (YTD Data)Rank
Total interest income$3,446,0007,217
Total interest expense$1,488,0007,377
Net interest income$1,958,0007,003
Provision for loan and lease losses$48,0006,747
Total noninterest income$247,0007,250
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$181,0005,643
Trading account gains and feesNANA
Additional Noninterest Income$66,0007,824
Total noninterest expense$1,488,0006,817
Salaries and employee benefits$881,0006,393
Premises and equipment expense$183,0007,152
Additional noninterest expense$424,0007,161
Pre-tax net operating income$669,0007,113
Securities gains (losses)$2,0003,292
Applicable income taxes$211,0006,739
Income before extraordinary items$460,0007,237
Extraordinary gains, net$044
Net income$460,0007,240
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,371
Cash dividends$155,0005,831
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$458,6207,188
1996-12-31 (YTD Data)Rank
Total interest income$3,191,0007,746
Total interest expense$1,395,0007,846
Net interest income$1,796,0007,570
Provision for loan and lease losses$09,041
Total noninterest income$279,0007,209
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$188,0005,776
Trading account gains and feesNANA
Additional Noninterest Income$91,0007,410
Total noninterest expense$1,434,0007,300
Salaries and employee benefits$866,0006,634
Premises and equipment expense$155,0007,939
Additional noninterest expense$413,0007,768
Pre-tax net operating income$641,0007,223
Securities gains (losses)$-2,0009,485
Applicable income taxes$187,0007,333
Income before extraordinary items$452,0007,215
Extraordinary gains, net$053
Net income$452,0007,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-39,00010,948
Cash dividends$133,0006,250
Sale, conversion, retirement of capital stock, net$0953
Net operating income$453,4207,163
1995-12-31 (YTD Data)Rank
Total interest income$2,885,0008,393
Total interest expense$1,284,0008,333
Net interest income$1,601,0008,253
Provision for loan and lease losses$08,958
Total noninterest income$207,0008,322
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$154,0006,588
Trading account gains and feesNANA
Additional Noninterest Income$53,0009,088
Total noninterest expense$1,272,0007,943
Salaries and employee benefits$806,0007,073
Premises and equipment expense$111,0009,279
Additional noninterest expense$355,0008,653
Pre-tax net operating income$536,0008,241
Securities gains (losses)$03,831
Applicable income taxes$150,0008,259
Income before extraordinary items$386,0008,190
Extraordinary gains, net$065
Net income$386,0008,190
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,00011,120
Cash dividends$111,0006,612
Sale, conversion, retirement of capital stock, net$0809
Net operating income$386,0008,158
1994-12-31 (YTD Data)Rank
Total interest income$2,337,0009,189
Total interest expense$815,0009,525
Net interest income$1,522,0008,821
Provision for loan and lease losses$09,146
Total noninterest income$192,0008,873
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$149,0006,913
Trading account gains and feesNANA
Additional Noninterest Income$43,0009,980
Total noninterest expense$1,195,0008,618
Salaries and employee benefits$750,0007,526
Premises and equipment expense$109,0009,741
Additional noninterest expense$336,0009,530
Pre-tax net operating income$519,0008,528
Securities gains (losses)$-7,0009,611
Applicable income taxes$136,0008,588
Income before extraordinary items$376,0008,398
Extraordinary gains, net$0249
Net income$376,0008,402
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-13,00010,986
Cash dividends$111,0006,682
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$381,1108,397
1993-12-31 (YTD Data)Rank
Total interest income$2,269,0009,633
Total interest expense$775,00010,171
Net interest income$1,494,0009,130
Provision for loan and lease losses$010,371
Total noninterest income$175,0009,703
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$131,0007,556
Trading account gains and feesNANA
Additional Noninterest Income$44,00010,462
Total noninterest expense$1,184,0008,958
Salaries and employee benefits$726,0007,814
Premises and equipment expense$137,0009,260
Additional noninterest expense$321,00010,180
Pre-tax net operating income$485,0008,753
Securities gains (losses)$13,0005,183
Applicable income taxes$136,0008,950
Income before extraordinary items$362,0008,816
Extraordinary gains, net$03,149
Net income$362,0008,983
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,00010,864
Cash dividends$89,0007,164
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$352,5108,656
1992-12-31 (YTD Data)Rank
Total interest income$2,224,00010,427
Total interest expense$933,00010,698
Net interest income$1,291,00010,004
Provision for loan and lease losses$011,756
Total noninterest income$176,0009,902
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$127,0007,760
Trading account gains and feesNANA
Additional Noninterest Income$49,00010,461
Total noninterest expense$1,120,0009,412
Salaries and employee benefits$666,0008,256
Premises and equipment expense$126,0009,817
Additional noninterest expense$328,00010,457
Pre-tax net operating income$347,0009,719
Securities gains (losses)$1,0007,986
Applicable income taxes$75,00010,571
Income before extraordinary items$273,0009,644
Extraordinary gains, net$01,422
Net income$273,0009,782
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-25,00013,191
Cash dividends$66,0007,319
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$272,2209,280

* 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.