Home > Havelock Bank > Income and Expense
Havelock Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,268,000 | 2,138 |
| Total interest expense | $6,944,000 | 2,136 |
| Net interest income | $8,324,000 | 2,117 |
| Provision for loan and lease losses | $420,000 | 2,015 |
| Total noninterest income | $1,739,000 | 2,054 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,030,000 | 1,280 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $709,000 | 2,357 |
| Total noninterest expense | $6,476,000 | 2,102 |
| Salaries and employee benefits | $3,057,000 | 2,292 |
| Premises and equipment expense | $690,000 | 2,900 |
| Additional noninterest expense | $2,729,000 | 1,637 |
| Pre-tax net operating income | $3,167,000 | 2,291 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,414,000 | 1,669 |
| Income before extraordinary items | $1,753,000 | 2,867 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,753,000 | 2,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,753,000 | 2,844 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,221,000 | 2,295 |
| Total interest expense | $6,723,000 | 2,254 |
| Net interest income | $7,498,000 | 2,278 |
| Provision for loan and lease losses | $660,000 | 1,379 |
| Total noninterest income | $1,568,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $770,000 | 1,650 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $798,000 | 2,175 |
| Total noninterest expense | $5,918,000 | 2,209 |
| Salaries and employee benefits | $2,705,000 | 2,497 |
| Premises and equipment expense | $640,000 | 2,994 |
| Additional noninterest expense | $2,573,000 | 1,663 |
| Pre-tax net operating income | $2,488,000 | 2,801 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,187,000 | 2,009 |
| Income before extraordinary items | $1,301,000 | 3,693 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,301,000 | 3,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,077 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,301,000 | 3,595 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,746,000 | 2,578 |
| Total interest expense | $5,830,000 | 2,560 |
| Net interest income | $6,916,000 | 2,510 |
| Provision for loan and lease losses | $480,000 | 1,829 |
| Total noninterest income | $944,000 | 3,189 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $555,000 | 2,365 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $389,000 | 3,344 |
| Total noninterest expense | $5,300,000 | 2,433 |
| Salaries and employee benefits | $2,339,000 | 2,828 |
| Premises and equipment expense | $649,000 | 2,941 |
| Additional noninterest expense | $2,312,000 | 1,837 |
| Pre-tax net operating income | $2,080,000 | 3,405 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,000,000 | 2,437 |
| Income before extraordinary items | $1,080,000 | 4,429 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,080,000 | 4,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,067 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,080,000 | 4,361 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,846,000 | 3,037 |
| Total interest expense | $4,807,000 | 3,106 |
| Net interest income | $6,039,000 | 2,939 |
| Provision for loan and lease losses | $380,000 | 2,169 |
| Total noninterest income | $737,000 | 3,936 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $494,000 | 2,752 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $243,000 | 4,611 |
| Total noninterest expense | $4,672,000 | 2,913 |
| Salaries and employee benefits | $2,071,000 | 3,228 |
| Premises and equipment expense | $554,000 | 3,461 |
| Additional noninterest expense | $2,047,000 | 2,401 |
| Pre-tax net operating income | $1,724,000 | 3,864 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $889,000 | 2,605 |
| Income before extraordinary items | $835,000 | 5,139 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $835,000 | 5,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $835,000 | 5,083 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,741,000 | 3,710 |
| Total interest expense | $3,652,000 | 4,001 |
| Net interest income | $5,089,000 | 3,474 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $525,000 | 5,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 2,954 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $4,084,000 | 3,257 |
| Salaries and employee benefits | $1,743,000 | 3,743 |
| Premises and equipment expense | $421,000 | 4,333 |
| Additional noninterest expense | $1,920,000 | 2,489 |
| Pre-tax net operating income | $1,450,000 | 4,582 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $773,000 | 2,967 |
| Income before extraordinary items | $677,000 | 6,134 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $677,000 | 6,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $315,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $677,000 | 6,110 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,998,000 | 8,048 |
| Total interest expense | $1,169,000 | 8,026 |
| Net interest income | $1,829,000 | 7,966 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $221,000 | 8,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,044 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,793 |
| Total noninterest expense | $1,562,000 | 7,406 |
| Salaries and employee benefits | $711,000 | 7,791 |
| Premises and equipment expense | $208,000 | 7,250 |
| Additional noninterest expense | $643,000 | 6,716 |
| Pre-tax net operating income | $488,000 | 8,741 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $254,000 | 6,467 |
| Income before extraordinary items | $234,000 | 9,875 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $234,000 | 9,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $491,000 | 3,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $234,000 | 9,947 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,829,000 | 4,411 |
| Total interest expense | $2,738,000 | 4,461 |
| Net interest income | $4,091,000 | 4,314 |
| Provision for loan and lease losses | $63,000 | 6,860 |
| Total noninterest income | $667,000 | 4,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $488,000 | 2,862 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 6,010 |
| Total noninterest expense | $3,051,000 | 4,442 |
| Salaries and employee benefits | $1,698,000 | 3,826 |
| Premises and equipment expense | $517,000 | 3,746 |
| Additional noninterest expense | $836,000 | 5,712 |
| Pre-tax net operating income | $1,644,000 | 3,981 |
| Securities gains (losses) | $-7,000 | 12,665 |
| Applicable income taxes | $536,000 | 3,943 |
| Income before extraordinary items | $1,101,000 | 4,321 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,101,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 11,674 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,105,690 | 4,085 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,099,000 | 4,776 |
| Total interest expense | $3,333,000 | 4,734 |
| Net interest income | $3,766,000 | 4,709 |
| Provision for loan and lease losses | $172,000 | 5,716 |
| Total noninterest income | $656,000 | 4,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $498,000 | 2,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 6,458 |
| Total noninterest expense | $3,013,000 | 4,516 |
| Salaries and employee benefits | $1,575,000 | 4,042 |
| Premises and equipment expense | $537,000 | 3,732 |
| Additional noninterest expense | $901,000 | 5,521 |
| Pre-tax net operating income | $1,237,000 | 4,804 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $379,000 | 5,000 |
| Income before extraordinary items | $858,000 | 5,088 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $858,000 | 5,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 7,683 |
| Cash dividends | $221,000 | 4,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $858,000 | 4,784 |
* 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.