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Howard Savings Bank, Income and Expense

2004-09-30 (YTD Data)		Rank
Total interest income	$3,471,000	5,086
Total interest expense	$686,000	5,884
Net interest income	$2,785,000	4,713
Provision for loan and lease losses	$1,999,000	420
Total noninterest income	$1,427,000	2,291
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$3,000	7,885
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,424,000	1,392
Total noninterest expense	$2,755,000	3,975
Salaries and employee benefits	$1,208,000	4,657
Premises and equipment expense	$539,000	3,062
Additional noninterest expense	$1,008,000	3,406
Pre-tax net operating income	$-542,000	8,788
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-542,000	8,826
Extraordinary gains, net	$0	26
Net income	$-542,000	8,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-542,000	8,803
2004-06-30 (YTD Data)		Rank
Total interest income	$961,000	7,522
Total interest expense	$472,000	5,817
Net interest income	$489,000	8,133
Provision for loan and lease losses	$1,996,000	316
Total noninterest income	$114,000	6,996
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$3,000	7,913
Trading account gains and fees	$0	130
Additional Noninterest Income	$111,000	4,953
Total noninterest expense	$945,000	6,200
Salaries and employee benefits	$213,000	8,261
Premises and equipment expense	$135,000	5,977
Additional noninterest expense	$597,000	3,760
Pre-tax net operating income	$-2,338,000	9,048
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-2,338,000	9,054
Extraordinary gains, net	$0	21
Net income	$-2,338,000	9,055
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-2,338,000	9,042
2004-03-31 (YTD Data)		Rank
Total interest income	$489,000	7,537
Total interest expense	$244,000	5,783
Net interest income	$245,000	8,157
Provision for loan and lease losses	$3,000	6,219
Total noninterest income	$52,000	7,147
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,000	7,932
Trading account gains and fees	$0	121
Additional Noninterest Income	$51,000	5,085
Total noninterest expense	$458,000	6,343
Salaries and employee benefits	$110,000	8,250
Premises and equipment expense	$70,000	5,876
Additional noninterest expense	$278,000	3,983
Pre-tax net operating income	$-164,000	8,877
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-164,000	8,920
Extraordinary gains, net	$0	16
Net income	$-164,000	8,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-164,000	8,888
2003-12-31 (YTD Data)		Rank
Total interest income	$2,466,000	7,070
Total interest expense	$1,460,000	4,954
Net interest income	$1,006,000	8,092
Provision for loan and lease losses	$162,000	4,453
Total noninterest income	$638,000	4,812
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$4,000	7,996
Trading account gains and fees	$0	160
Additional Noninterest Income	$634,000	3,148
Total noninterest expense	$1,716,000	6,497
Salaries and employee benefits	$556,000	7,877
Premises and equipment expense	$263,000	6,040
Additional noninterest expense	$897,000	4,643
Pre-tax net operating income	$-234,000	8,715
Securities gains (losses)	$0	4,500
Applicable income taxes	$34,000	6,523
Income before extraordinary items	$-268,000	8,808
Extraordinary gains, net	$0	54
Net income	$-268,000	8,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	4,052
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-268,000	8,743
2003-09-30 (YTD Data)		Rank
Total interest income	$1,712,000	7,353
Total interest expense	$1,188,000	4,849
Net interest income	$524,000	8,631
Provision for loan and lease losses	$59,000	5,561
Total noninterest income	$84,000	8,241
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$2,000	8,072
Trading account gains and fees	$0	153
Additional Noninterest Income	$82,000	6,430
Total noninterest expense	$1,129,000	6,889
Salaries and employee benefits	$445,000	7,688
Premises and equipment expense	$199,000	6,021
Additional noninterest expense	$485,000	5,735
Pre-tax net operating income	$-580,000	8,990
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-580,000	9,046
Extraordinary gains, net	$0	40
Net income	$-580,000	9,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	3,234
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-580,000	8,994
2003-06-30 (YTD Data)		Rank
Total interest income	$1,148,000	7,395
Total interest expense	$850,000	4,742
Net interest income	$298,000	8,801
Provision for loan and lease losses	$6,000	7,004
Total noninterest income	$7,000	9,140
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$1,000	8,110
Trading account gains and fees	$0	150
Additional Noninterest Income	$6,000	8,732
Total noninterest expense	$741,000	6,938
Salaries and employee benefits	$295,000	7,728
Premises and equipment expense	$128,000	6,096
Additional noninterest expense	$318,000	5,776
Pre-tax net operating income	$-442,000	9,049
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-442,000	9,116
Extraordinary gains, net	$0	30
Net income	$-442,000	9,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	2,496
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-442,000	9,053
2003-03-31 (YTD Data)		Rank
Total interest income	$536,000	7,578
Total interest expense	$428,000	4,828
Net interest income	$108,000	9,036
Provision for loan and lease losses	$3,000	6,662
Total noninterest income	$6,000	9,110
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,000	8,100
Trading account gains and fees	$0	134
Additional Noninterest Income	$5,000	8,460
Total noninterest expense	$330,000	7,285
Salaries and employee benefits	$163,000	7,504
Premises and equipment expense	$64,000	6,109
Additional noninterest expense	$103,000	7,068
Pre-tax net operating income	$-219,000	9,104
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-219,000	9,151
Extraordinary gains, net	$0	21
Net income	$-219,000	9,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-219,000	9,092
2002-12-31 (YTD Data)		Rank
Total interest income	$2,841,000	7,012
Total interest expense	$2,109,000	4,633
Net interest income	$732,000	8,693
Provision for loan and lease losses	$12,000	7,731
Total noninterest income	$35,000	9,074
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$4,000	8,144
Trading account gains and fees	$0	153
Additional Noninterest Income	$31,000	8,166
Total noninterest expense	$1,538,000	6,766
Salaries and employee benefits	$589,000	7,747
Premises and equipment expense	$242,000	6,248
Additional noninterest expense	$707,000	5,375
Pre-tax net operating income	$-783,000	9,074
Securities gains (losses)	$0	4,537
Applicable income taxes	$-256,000	9,166
Income before extraordinary items	$-527,000	9,045
Extraordinary gains, net	$0	70
Net income	$-527,000	9,043
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	3,291
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-527,000	9,003
2001-12-31 (YTD Data)		Rank
Total interest income	$3,201,000	7,033
Total interest expense	$2,351,000	5,584
Net interest income	$850,000	8,579
Provision for loan and lease losses	$1,462,000	926
Total noninterest income	$16,000	9,446
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$9,000	8,267
Trading account gains and fees	$0	177
Additional Noninterest Income	$7,000	9,251
Total noninterest expense	$1,185,000	7,496
Salaries and employee benefits	$532,000	8,021
Premises and equipment expense	$241,000	6,196
Additional noninterest expense	$412,000	7,053
Pre-tax net operating income	$-1,781,000	9,467
Securities gains (losses)	$0	4,612
Applicable income taxes	$-671,000	9,525
Income before extraordinary items	$-1,110,000	9,443
Extraordinary gains, net	$0	105
Net income	$-1,110,000	9,444
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,213,000	813
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$-2,107,000	9,594
Net operating income	$-1,110,000	9,411
2000-12-31 (YTD Data)		Rank
Total interest income	$3,676,000	6,759
Total interest expense	$1,925,000	6,373
Net interest income	$1,751,000	7,008
Provision for loan and lease losses	$411,000	2,234
Total noninterest income	$398,000	5,546
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	8,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$391,000	3,406
Total noninterest expense	$1,681,000	6,306
Salaries and employee benefits	$826,000	6,605
Premises and equipment expense	$223,000	6,414
Additional noninterest expense	$632,000	5,574
Pre-tax net operating income	$57,000	8,950
Securities gains (losses)	$0	1,956
Applicable income taxes	$27,000	7,689
Income before extraordinary items	$30,000	9,030
Extraordinary gains, net	$0	38
Net income	$30,000	9,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$30,000	9,015
1999-12-31 (YTD Data)		Rank
Total interest income	$3,281,000	7,068
Total interest expense	$1,579,000	6,771
Net interest income	$1,702,000	7,195
Provision for loan and lease losses	$17,000	7,804
Total noninterest income	$538,000	4,746
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	8,776
Trading account gains and fees	NA	NA
Additional Noninterest Income	$534,000	2,838
Total noninterest expense	$1,874,000	5,923
Salaries and employee benefits	$761,000	6,937
Premises and equipment expense	$241,000	6,169
Additional noninterest expense	$872,000	4,484
Pre-tax net operating income	$349,000	7,839
Securities gains (losses)	$0	3,155
Applicable income taxes	$136,000	6,449
Income before extraordinary items	$213,000	8,197
Extraordinary gains, net	$0	35
Net income	$213,000	8,195
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$213,000	8,170
1998-12-31 (YTD Data)		Rank
Total interest income	$3,044,000	7,485
Total interest expense	$1,415,000	7,390
Net interest income	$1,629,000	7,417
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$255,000	6,951
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$3,000	8,992
Trading account gains and fees	NA	NA
Additional Noninterest Income	$252,000	4,407
Total noninterest expense	$1,653,000	6,317
Salaries and employee benefits	$708,000	7,136
Premises and equipment expense	$243,000	6,067
Additional noninterest expense	$702,000	5,152
Pre-tax net operating income	$219,000	8,823
Securities gains (losses)	$0	4,449
Applicable income taxes	$53,000	8,285
Income before extraordinary items	$166,000	8,870
Extraordinary gains, net	$0	32
Net income	$166,000	8,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$166,000	8,803
1997-12-31 (YTD Data)		Rank
Total interest income	$3,167,000	7,553
Total interest expense	$1,392,000	7,601
Net interest income	$1,775,000	7,371
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$1,464,000	2,244
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$3,000	9,403
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,461,000	1,344
Total noninterest expense	$2,795,000	4,344
Salaries and employee benefits	$752,000	7,018
Premises and equipment expense	$252,000	6,030
Additional noninterest expense	$1,791,000	2,316
Pre-tax net operating income	$432,000	8,275
Securities gains (losses)	$0	3,944
Applicable income taxes	$160,000	7,457
Income before extraordinary items	$272,000	8,586
Extraordinary gains, net	$0	44
Net income	$272,000	8,588
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	$0	1,030
Net operating income	$272,000	8,548
1996-12-31 (YTD Data)		Rank
Total interest income	$2,910,000	8,115
Total interest expense	$1,501,000	7,572
Net interest income	$1,409,000	8,492
Provision for loan and lease losses	$12,000	8,364
Total noninterest income	$793,000	3,740
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$3,000	9,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$790,000	2,126
Total noninterest expense	$2,001,000	5,951
Salaries and employee benefits	$767,000	7,157
Premises and equipment expense	$254,000	6,196
Additional noninterest expense	$980,000	4,479
Pre-tax net operating income	$189,000	9,853
Securities gains (losses)	$0	4,148
Applicable income taxes	$105,000	8,669
Income before extraordinary items	$84,000	10,360
Extraordinary gains, net	$0	53
Net income	$84,000	10,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$84,000	10,316
1995-12-31 (YTD Data)		Rank
Total interest income	$2,689,000	8,651
Total interest expense	$1,084,000	8,948
Net interest income	$1,605,000	8,247
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$550,000	4,860
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	10,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$540,000	2,730
Total noninterest expense	$1,855,000	6,339
Salaries and employee benefits	$743,000	7,445
Premises and equipment expense	$293,000	5,735
Additional noninterest expense	$819,000	5,155
Pre-tax net operating income	$288,000	9,839
Securities gains (losses)	$0	3,831
Applicable income taxes	$110,000	8,977
Income before extraordinary items	$178,000	10,185
Extraordinary gains, net	$0	65
Net income	$178,000	10,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$178,000	10,155
1994-12-31 (YTD Data)		Rank
Total interest income	$3,343,000	7,560
Total interest expense	$841,000	9,394
Net interest income	$2,502,000	6,483
Provision for loan and lease losses	$67,000	5,416
Total noninterest income	$661,000	4,326
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	10,773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$654,000	2,449
Total noninterest expense	$2,253,000	5,626
Salaries and employee benefits	$1,079,000	5,731
Premises and equipment expense	$259,000	6,372
Additional noninterest expense	$915,000	5,103
Pre-tax net operating income	$843,000	6,658
Securities gains (losses)	$0	3,600
Applicable income taxes	$315,000	5,695
Income before extraordinary items	$528,000	7,093
Extraordinary gains, net	$0	249
Net income	$528,000	7,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$528,000	7,136
1993-12-31 (YTD Data)		Rank
Total interest income	$4,446,000	6,369
Total interest expense	$1,030,000	8,966
Net interest income	$3,422,000	5,048
Provision for loan and lease losses	$0	10,371
Total noninterest income	$656,000	4,645
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$6,000	11,259
Trading account gains and fees	NA	NA
Additional Noninterest Income	$650,000	2,732
Total noninterest expense	$2,254,000	5,750
Salaries and employee benefits	$1,551,000	4,154
Premises and equipment expense	$244,000	6,805
Additional noninterest expense	$459,000	8,630
Pre-tax net operating income	$1,824,000	3,627
Securities gains (losses)	$0	7,477
Applicable income taxes	$699,000	3,126
Income before extraordinary items	$1,125,000	4,240
Extraordinary gains, net	$-111,000	12,936
Net income	$1,014,000	4,783
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,125,000	4,027
1992-12-31 (YTD Data)		Rank
Total interest income	$4,455,000	6,950
Total interest expense	$1,463,000	8,634
Net interest income	$2,992,000	5,728
Provision for loan and lease losses	$0	11,756
Total noninterest income	$1,268,000	2,737
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$5,000	11,683
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,263,000	1,709
Total noninterest expense	$2,355,000	5,577
Salaries and employee benefits	$1,561,000	4,070
Premises and equipment expense	$209,000	7,640
Additional noninterest expense	$585,000	7,647
Pre-tax net operating income	$1,905,000	3,247
Securities gains (losses)	$0	8,369
Applicable income taxes	$757,000	2,752
Income before extraordinary items	$1,148,000	3,970
Extraordinary gains, net	$0	1,422
Net income	$1,148,000	4,011
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	$1,148,000	3,680

* 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.