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The Howard Bank, Changes in Bank Equity Capital
| 2001-12-31 | Rank | |
| Amended balance at previous year-end | $77,092,000 | 587 |
| Restatements from amended reports of income, net | $0 | 218 |
| Net income | $13,553,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net treasury stock transactions | $0 | 26 |
| Changes incidental to business combinations, net | $0 | 313 |
| Cash dividends declared on preferred stock | $0 | 114 |
| Cash dividends declared on common stock | $10,105,000 | 358 |
| Other comprehensive income | $2,325,000 | 229 |
| Other transactions with parent holding company | $0 | 834 |
| Bank equity capital | $82,865,000 | 622 |
| 2000-12-31 | Rank | |
| Amended balance at previous year-end | $59,656,000 | 692 |
| Restatements from amended reports of income, net | $0 | 157 |
| Net income | $18,429,000 | 348 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $10,064,000 | 162 |
| Cash dividends declared on preferred stock | $0 | 119 |
| Cash dividends declared on common stock | $14,758,000 | 289 |
| Other comprehensive income | $3,701,000 | 330 |
| Other transactions with parent holding company | $0 | 807 |
| Bank equity capital | $77,092,000 | 636 |
| 1999-12-31 | Rank | |
| Amended balance at previous year-end | $55,545,000 | 768 |
| Restatements from amended reports of income, net | $0 | 136 |
| Net income | $13,916,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 385 |
| Cash dividends declared on preferred stock | $0 | 133 |
| Cash dividends declared on common stock | $6,310,000 | 558 |
| Other comprehensive income | $-3,495,000 | 8,608 |
| Other transactions with parent holding company | $0 | 821 |
| Bank equity capital | $59,656,000 | 774 |
| 1998-12-31 | Rank | |
| Amended balance at previous year-end | $55,890,000 | 726 |
| Restatements from amended reports of income, net | $0 | 175 |
| Net income | $11,075,000 | 535 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 426 |
| Cash dividends declared on preferred stock | $0 | 140 |
| Cash dividends declared on common stock | $11,683,000 | 338 |
| Other comprehensive income | $263,000 | 778 |
| Other transactions with parent holding company | $0 | 715 |
| Bank equity capital | $55,545,000 | 824 |
| 1997-12-31 | Rank | |
| Amended balance at previous year-end | $48,464,000 | 812 |
| Restatements from amended reports of income, net | $0 | 377 |
| Net income | $10,709,000 | 557 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 439 |
| Cash dividends declared on preferred stock | $0 | 167 |
| Cash dividends declared on common stock | $4,150,000 | 710 |
| Other comprehensive income | $867,000 | 444 |
| Other transactions with parent holding company | $0 | 654 |
| Bank equity capital | $55,890,000 | 830 |
| 1996-12-31 | Rank | |
| Amended balance at previous year-end | $57,573,000 | 751 |
| Restatements from amended reports of income, net | $0 | 197 |
| Net income | $11,662,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 441 |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $20,132,000 | 270 |
| Other comprehensive income | $-639,000 | 9,679 |
| Other transactions with parent holding company | $0 | 528 |
| Bank equity capital | $48,464,000 | 953 |
| 1995-12-31 | Rank | |
| Amended balance at previous year-end | $51,124,000 | 806 |
| Restatements from amended reports of income, net | $0 | 212 |
| Net income | $8,572,000 | 684 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 459 |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $6,040,000 | 539 |
| Other comprehensive income | $3,917,000 | 390 |
| Other transactions with parent holding company | $0 | 524 |
| Bank equity capital | $57,573,000 | 851 |
| 1994-12-31 | Rank | |
| Amended balance at previous year-end | $50,078,000 | 787 |
| Restatements from amended reports of income, net | $0 | 244 |
| Net income | $6,726,000 | 794 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 449 |
| Cash dividends declared on preferred stock | $0 | 211 |
| Cash dividends declared on common stock | $1,863,000 | 1,173 |
| Other comprehensive income | $-3,817,000 | 10,697 |
| Other transactions with parent holding company | $0 | 545 |
| Bank equity capital | $51,124,000 | 857 |
| 1993-12-31 | Rank | |
| Amended balance at previous year-end | $48,570,000 | 768 |
| Restatements from amended reports of income, net | $0 | 249 |
| Net income | $3,501,000 | 1,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 420 |
| Cash dividends declared on preferred stock | $0 | 217 |
| Cash dividends declared on common stock | $1,993,000 | 1,040 |
| Other comprehensive income | $0 | 1,984 |
| Other transactions with parent holding company | $0 | 566 |
| Bank equity capital | $50,078,000 | 842 |
| 1992-12-31 | Rank | |
| Amended balance at previous year-end | $46,436,000 | 756 |
| Restatements from amended reports of income, net | $0 | 350 |
| Net income | $3,613,000 | 1,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 366 |
| Cash dividends declared on preferred stock | $0 | 200 |
| Cash dividends declared on common stock | $1,479,000 | 1,111 |
| Other comprehensive income | $0 | 551 |
| Other transactions with parent holding company | $0 | 777 |
| Bank equity capital | $48,570,000 | 838 |