Home > Harbor Federal Savings Bank > Income and Expense
Harbor Federal Savings Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,888,000 | 1,930 |
| Total interest expense | $10,660,000 | 1,402 |
| Net interest income | $6,228,000 | 2,822 |
| Provision for loan and lease losses | $55,000 | 6,383 |
| Total noninterest income | $939,000 | 3,238 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $939,000 | 1,951 |
| Total noninterest expense | $4,342,000 | 3,074 |
| Salaries and employee benefits | $2,783,000 | 2,524 |
| Premises and equipment expense | $690,000 | 2,900 |
| Additional noninterest expense | $869,000 | 4,494 |
| Pre-tax net operating income | $2,770,000 | 2,569 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,188,000 | 1,941 |
| Income before extraordinary items | $1,582,000 | 3,115 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,582,000 | 3,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,357 |
| Cash dividends | $8,000,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,582,000 | 3,086 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,973,000 | 1,904 |
| Total interest expense | $10,616,000 | 1,443 |
| Net interest income | $6,357,000 | 2,698 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $932,000 | 3,246 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $932,000 | 1,961 |
| Total noninterest expense | $4,194,000 | 3,093 |
| Salaries and employee benefits | $2,794,000 | 2,415 |
| Premises and equipment expense | $634,000 | 3,016 |
| Additional noninterest expense | $766,000 | 4,817 |
| Pre-tax net operating income | $3,005,000 | 2,375 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,267,000 | 1,891 |
| Income before extraordinary items | $1,738,000 | 2,877 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,738,000 | 2,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,738,000 | 2,788 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,959,000 | 2,038 |
| Total interest expense | $9,822,000 | 1,579 |
| Net interest income | $6,137,000 | 2,839 |
| Provision for loan and lease losses | $80,000 | 5,644 |
| Total noninterest income | $675,000 | 4,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $675,000 | 2,270 |
| Total noninterest expense | $4,050,000 | 3,137 |
| Salaries and employee benefits | $2,649,000 | 2,510 |
| Premises and equipment expense | $676,000 | 2,834 |
| Additional noninterest expense | $725,000 | 5,081 |
| Pre-tax net operating income | $2,682,000 | 2,742 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,035,000 | 2,365 |
| Income before extraordinary items | $1,647,000 | 3,083 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,647,000 | 3,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,647,000 | 3,020 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,198,000 | 2,353 |
| Total interest expense | $8,912,000 | 1,763 |
| Net interest income | $5,286,000 | 3,353 |
| Provision for loan and lease losses | $33,000 | 7,304 |
| Total noninterest income | $737,000 | 3,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $737,000 | 2,214 |
| Total noninterest expense | $4,880,000 | 2,801 |
| Salaries and employee benefits | $2,394,000 | 2,807 |
| Premises and equipment expense | $636,000 | 3,025 |
| Additional noninterest expense | $1,850,000 | 2,632 |
| Pre-tax net operating income | $1,110,000 | 5,381 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $431,000 | 4,652 |
| Income before extraordinary items | $678,000 | 5,854 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $678,000 | 5,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,617 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $678,640 | 5,800 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,452,000 | 2,909 |
| Total interest expense | $5,890,000 | 2,605 |
| Net interest income | $5,562,000 | 3,192 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $282,000 | 7,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $282,000 | 4,151 |
| Total noninterest expense | $3,775,000 | 3,497 |
| Salaries and employee benefits | $2,486,000 | 2,685 |
| Premises and equipment expense | $466,000 | 3,985 |
| Additional noninterest expense | $823,000 | 5,128 |
| Pre-tax net operating income | $2,069,000 | 3,376 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $791,000 | 2,898 |
| Income before extraordinary items | $1,278,000 | 3,739 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,278,000 | 3,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $4,000,000 | 748 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,278,000 | 3,712 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,799,000 | 3,086 |
| Total interest expense | $4,749,000 | 2,581 |
| Net interest income | $5,050,000 | 3,525 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $387,000 | 6,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $387,000 | 3,480 |
| Total noninterest expense | $2,936,000 | 4,501 |
| Salaries and employee benefits | $1,707,000 | 3,815 |
| Premises and equipment expense | $465,000 | 4,054 |
| Additional noninterest expense | $764,000 | 5,913 |
| Pre-tax net operating income | $2,498,000 | 2,829 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $959,000 | 2,329 |
| Income before extraordinary items | $1,539,000 | 3,108 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,539,000 | 3,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,618 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $10,375,000 | 96 |
| Net operating income | $1,539,000 | 3,129 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,683,000 | 3,192 |
| Total interest expense | $4,979,000 | 2,578 |
| Net interest income | $4,704,000 | 3,779 |
| Provision for loan and lease losses | $454,000 | 2,247 |
| Total noninterest income | $328,000 | 7,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $328,000 | 4,252 |
| Total noninterest expense | $2,566,000 | 5,158 |
| Salaries and employee benefits | $1,300,000 | 4,878 |
| Premises and equipment expense | $438,000 | 4,355 |
| Additional noninterest expense | $828,000 | 5,765 |
| Pre-tax net operating income | $2,012,000 | 3,293 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $822,000 | 2,700 |
| Income before extraordinary items | $1,190,000 | 4,046 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,190,000 | 4,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,617 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,190,000 | 3,847 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,955,000 | 3,499 |
| Total interest expense | $5,864,000 | 2,843 |
| Net interest income | $4,091,000 | 4,355 |
| Provision for loan and lease losses | $45,000 | 9,299 |
| Total noninterest income | $259,000 | 8,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $259,000 | 4,857 |
| Total noninterest expense | $2,348,000 | 5,595 |
| Salaries and employee benefits | $1,234,000 | 5,031 |
| Premises and equipment expense | $379,000 | 5,003 |
| Additional noninterest expense | $735,000 | 6,514 |
| Pre-tax net operating income | $1,957,000 | 3,162 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $524,000 | 3,838 |
| Income before extraordinary items | $1,433,000 | 3,213 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,433,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,433,000 | 2,974 |
* 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.