Home > Harbourside Community Bank > Income and Expense
Harbourside Community Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,907,000 | 5,948 |
| Total interest expense | $1,034,000 | 4,638 |
| Net interest income | $873,000 | 6,677 |
| Provision for loan and lease losses | $1,790,000 | 1,507 |
| Total noninterest income | $182,000 | 5,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $182,000 | 3,792 |
| Total noninterest expense | $1,460,000 | 5,316 |
| Salaries and employee benefits | $695,000 | 5,514 |
| Premises and equipment expense | $393,000 | 3,228 |
| Additional noninterest expense | $372,000 | 6,016 |
| Pre-tax net operating income | $-2,195,000 | 7,430 |
| Securities gains (losses) | $87,000 | 1,588 |
| Applicable income taxes | $-715,000 | 7,671 |
| Income before extraordinary items | $-1,393,000 | 7,295 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,393,000 | 7,295 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,393,000 | 7,294 |
| Net charge-offs | $1,269,000 | 1,463 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,450,420 | 7,315 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $967,000 | 5,956 |
| Total interest expense | $514,000 | 4,768 |
| Net interest income | $453,000 | 6,622 |
| Provision for loan and lease losses | $875,000 | 1,280 |
| Total noninterest income | $88,000 | 5,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $88,000 | 3,856 |
| Total noninterest expense | $1,053,000 | 4,151 |
| Salaries and employee benefits | $418,000 | 5,008 |
| Premises and equipment expense | $393,000 | 1,801 |
| Additional noninterest expense | $242,000 | 5,036 |
| Pre-tax net operating income | $-1,387,000 | 7,729 |
| Securities gains (losses) | $26,000 | 1,571 |
| Applicable income taxes | $-460,000 | 7,882 |
| Income before extraordinary items | $-901,000 | 7,671 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-901,000 | 7,672 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-901,000 | 7,672 |
| Net charge-offs | $508,000 | 1,353 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-918,160 | 7,675 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,221,000 | 5,342 |
| Total interest expense | $2,877,000 | 4,376 |
| Net interest income | $2,344,000 | 6,049 |
| Provision for loan and lease losses | $2,160,000 | 1,709 |
| Total noninterest income | $368,000 | 5,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $368,000 | 3,722 |
| Total noninterest expense | $4,484,000 | 3,890 |
| Salaries and employee benefits | $1,774,000 | 4,838 |
| Premises and equipment expense | $1,532,000 | 1,785 |
| Additional noninterest expense | $1,178,000 | 4,346 |
| Pre-tax net operating income | $-3,932,000 | 7,711 |
| Securities gains (losses) | $85,000 | 1,250 |
| Applicable income taxes | $-1,295,000 | 7,794 |
| Income before extraordinary items | $-2,552,000 | 7,518 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,552,000 | 7,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,505,000 | 1,126 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,608,100 | 7,613 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,070,000 | 5,298 |
| Total interest expense | $2,298,000 | 4,311 |
| Net interest income | $1,772,000 | 6,082 |
| Provision for loan and lease losses | $1,210,000 | 1,643 |
| Total noninterest income | $284,000 | 5,469 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $284,000 | 3,772 |
| Total noninterest expense | $3,509,000 | 3,747 |
| Salaries and employee benefits | $1,434,000 | 4,623 |
| Premises and equipment expense | $1,150,000 | 1,790 |
| Additional noninterest expense | $925,000 | 4,118 |
| Pre-tax net operating income | $-2,663,000 | 7,970 |
| Securities gains (losses) | $44,000 | 1,509 |
| Applicable income taxes | $-905,000 | 8,021 |
| Income before extraordinary items | $-1,714,000 | 7,785 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,714,000 | 7,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,222,000 | 780 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,742,600 | 7,877 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,747,000 | 5,339 |
| Total interest expense | $1,597,000 | 4,335 |
| Net interest income | $1,150,000 | 6,154 |
| Provision for loan and lease losses | $515,000 | 1,878 |
| Total noninterest income | $195,000 | 5,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $195,000 | 3,822 |
| Total noninterest expense | $2,407,000 | 3,695 |
| Salaries and employee benefits | $1,021,000 | 4,455 |
| Premises and equipment expense | $761,000 | 1,795 |
| Additional noninterest expense | $625,000 | 4,050 |
| Pre-tax net operating income | $-1,577,000 | 8,100 |
| Securities gains (losses) | $32,000 | 1,744 |
| Applicable income taxes | $-530,000 | 8,187 |
| Income before extraordinary items | $-1,015,000 | 8,003 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,015,000 | 8,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,478,000 | 667 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,036,120 | 7,995 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,442,000 | 5,306 |
| Total interest expense | $860,000 | 4,313 |
| Net interest income | $582,000 | 6,176 |
| Provision for loan and lease losses | $320,000 | 1,319 |
| Total noninterest income | $90,000 | 5,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $90,000 | 3,968 |
| Total noninterest expense | $1,215,000 | 3,657 |
| Salaries and employee benefits | $537,000 | 4,300 |
| Premises and equipment expense | $377,000 | 1,813 |
| Additional noninterest expense | $301,000 | 4,105 |
| Pre-tax net operating income | $-863,000 | 8,242 |
| Securities gains (losses) | $11,000 | 1,937 |
| Applicable income taxes | $-295,000 | 8,311 |
| Income before extraordinary items | $-557,000 | 8,173 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-557,000 | 8,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $860,000 | 509 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-564,150 | 8,164 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,282,000 | 5,570 |
| Total interest expense | $3,225,000 | 4,576 |
| Net interest income | $2,057,000 | 6,436 |
| Provision for loan and lease losses | $1,770,000 | 932 |
| Total noninterest income | $417,000 | 5,413 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $417,000 | 3,658 |
| Total noninterest expense | $3,979,000 | 4,140 |
| Salaries and employee benefits | $1,852,000 | 4,651 |
| Premises and equipment expense | $1,191,000 | 2,179 |
| Additional noninterest expense | $936,000 | 4,853 |
| Pre-tax net operating income | $-3,275,000 | 8,384 |
| Securities gains (losses) | $148,000 | 515 |
| Applicable income taxes | $-1,120,000 | 8,413 |
| Income before extraordinary items | $-2,007,000 | 8,320 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,007,000 | 8,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,878 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-2,101,720 | 8,316 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,865,000 | 5,658 |
| Total interest expense | $2,300,000 | 4,739 |
| Net interest income | $1,565,000 | 6,433 |
| Provision for loan and lease losses | $270,000 | 2,452 |
| Total noninterest income | $331,000 | 5,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $331,000 | 3,565 |
| Total noninterest expense | $2,869,000 | 4,220 |
| Salaries and employee benefits | $1,381,000 | 4,627 |
| Premises and equipment expense | $847,000 | 2,283 |
| Additional noninterest expense | $641,000 | 5,084 |
| Pre-tax net operating income | $-1,243,000 | 8,342 |
| Securities gains (losses) | $116,000 | 462 |
| Applicable income taxes | $-430,000 | 8,420 |
| Income before extraordinary items | $-697,000 | 8,229 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-697,000 | 8,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-771,240 | 8,251 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,482,000 | 5,791 |
| Total interest expense | $1,461,000 | 4,877 |
| Net interest income | $1,021,000 | 6,537 |
| Provision for loan and lease losses | $180,000 | 2,301 |
| Total noninterest income | $242,000 | 5,148 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $242,000 | 3,415 |
| Total noninterest expense | $1,926,000 | 4,228 |
| Salaries and employee benefits | $936,000 | 4,625 |
| Premises and equipment expense | $568,000 | 2,272 |
| Additional noninterest expense | $422,000 | 5,108 |
| Pre-tax net operating income | $-843,000 | 8,416 |
| Securities gains (losses) | $81,000 | 446 |
| Applicable income taxes | $-290,000 | 8,499 |
| Income before extraordinary items | $-472,000 | 8,317 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-472,000 | 8,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-523,840 | 8,337 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,196,000 | 5,890 |
| Total interest expense | $695,000 | 4,999 |
| Net interest income | $501,000 | 6,601 |
| Provision for loan and lease losses | $110,000 | 1,886 |
| Total noninterest income | $138,000 | 4,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $138,000 | 3,163 |
| Total noninterest expense | $1,026,000 | 4,068 |
| Salaries and employee benefits | $529,000 | 4,254 |
| Premises and equipment expense | $285,000 | 2,288 |
| Additional noninterest expense | $212,000 | 5,077 |
| Pre-tax net operating income | $-497,000 | 8,516 |
| Securities gains (losses) | $26,000 | 508 |
| Applicable income taxes | $-180,000 | 8,557 |
| Income before extraordinary items | $-291,000 | 8,427 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-291,000 | 8,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-307,640 | 8,436 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 7,039 |
| Total interest expense | $1,348,000 | 6,335 |
| Net interest income | $1,294,000 | 7,450 |
| Provision for loan and lease losses | $520,000 | 1,835 |
| Total noninterest income | $459,000 | 5,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $459,000 | 3,485 |
| Total noninterest expense | $3,620,000 | 4,291 |
| Salaries and employee benefits | $1,601,000 | 4,987 |
| Premises and equipment expense | $864,000 | 2,811 |
| Additional noninterest expense | $1,155,000 | 4,058 |
| Pre-tax net operating income | $-2,387,000 | 8,605 |
| Securities gains (losses) | $259,000 | 341 |
| Applicable income taxes | $-815,000 | 8,619 |
| Income before extraordinary items | $-1,313,000 | 8,528 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,313,000 | 8,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 210 |
| Net operating income | $-1,478,760 | 8,540 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 7,524 |
| Total interest expense | $757,000 | 6,907 |
| Net interest income | $804,000 | 7,815 |
| Provision for loan and lease losses | $400,000 | 1,696 |
| Total noninterest income | $336,000 | 5,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $336,000 | 3,520 |
| Total noninterest expense | $2,577,000 | 4,448 |
| Salaries and employee benefits | $1,185,000 | 5,008 |
| Premises and equipment expense | $595,000 | 3,023 |
| Additional noninterest expense | $797,000 | 4,274 |
| Pre-tax net operating income | $-1,837,000 | 8,691 |
| Securities gains (losses) | $187,000 | 345 |
| Applicable income taxes | $-640,000 | 8,700 |
| Income before extraordinary items | $-1,010,000 | 8,609 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,010,000 | 8,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 156 |
| Net operating income | $-1,129,680 | 8,616 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $759,000 | 8,000 |
| Total interest expense | $349,000 | 7,497 |
| Net interest income | $410,000 | 8,208 |
| Provision for loan and lease losses | $280,000 | 1,601 |
| Total noninterest income | $201,000 | 5,630 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $201,000 | 3,736 |
| Total noninterest expense | $1,622,000 | 4,626 |
| Salaries and employee benefits | $732,000 | 5,271 |
| Premises and equipment expense | $328,000 | 3,512 |
| Additional noninterest expense | $562,000 | 4,116 |
| Pre-tax net operating income | $-1,291,000 | 8,724 |
| Securities gains (losses) | $120,000 | 328 |
| Applicable income taxes | $-435,000 | 8,743 |
| Income before extraordinary items | $-736,000 | 8,654 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-736,000 | 8,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 100 |
| Net operating income | $-812,800 | 8,665 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $138,000 | 8,661 |
| Total interest expense | $38,000 | 8,588 |
| Net interest income | $100,000 | 8,640 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $63,000 | 6,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $612,000 | 5,554 |
| Salaries and employee benefits | $193,000 | 7,085 |
| Premises and equipment expense | $66,000 | 6,124 |
| Additional noninterest expense | $353,000 | 3,438 |
| Pre-tax net operating income | $-499,000 | 8,696 |
| Securities gains (losses) | $32,000 | 405 |
| Applicable income taxes | $-175,000 | 8,726 |
| Income before extraordinary items | $-292,000 | 8,631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-292,000 | 8,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 49 |
| Net operating income | $-312,480 | 8,637 |
* 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.