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The Howard Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$69,764,000	517
Total interest expense	$27,998,000	598
Net interest income	$41,766,000	458
Provision for loan and lease losses	$6,091,000	312
Total noninterest income	$6,399,000	813
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$3,542,000	421
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,857,000	977
Total noninterest expense	$22,246,000	701
Salaries and employee benefits	$7,428,000	1,006
Premises and equipment expense	$2,866,000	741
Additional noninterest expense	$11,952,000	500
Pre-tax net operating income	$19,828,000	429
Securities gains (losses)	$390,000	736
Applicable income taxes	$6,461,000	458
Income before extraordinary items	$13,757,000	442
Extraordinary gains, net	$-204,000	9,545
Net income	$13,553,000	446
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,052,000	310
Cash dividends	$10,105,000	363
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$13,491,800	427
2000-12-31 (YTD Data)		Rank
Total interest income	$77,704,000	507
Total interest expense	$36,185,000	534
Net interest income	$41,519,000	466
Provision for loan and lease losses	$1,292,000	861
Total noninterest income	$9,968,000	585
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$3,021,000	442
Trading account gains and fees	$4,000	167
Additional Noninterest Income	$6,943,000	517
Total noninterest expense	$23,763,000	662
Salaries and employee benefits	$6,312,000	1,120
Premises and equipment expense	$3,363,000	635
Additional noninterest expense	$14,088,000	459
Pre-tax net operating income	$26,432,000	362
Securities gains (losses)	$30,000	843
Applicable income taxes	$8,033,000	397
Income before extraordinary items	$18,429,000	348
Extraordinary gains, net	$0	38
Net income	$18,429,000	348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$973,000	764
Cash dividends	$14,758,000	292
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$18,408,000	349
1999-12-31 (YTD Data)		Rank
Total interest income	$58,929,000	607
Total interest expense	$24,699,000	666
Net interest income	$34,230,000	567
Provision for loan and lease losses	$2,350,000	498
Total noninterest income	$6,672,000	773
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$3,196,000	432
Trading account gains and fees	$15,000	147
Additional Noninterest Income	$3,461,000	810
Total noninterest expense	$19,469,000	774
Salaries and employee benefits	$5,560,000	1,238
Premises and equipment expense	$1,613,000	1,256
Additional noninterest expense	$12,296,000	518
Pre-tax net operating income	$19,083,000	503
Securities gains (losses)	$63,000	903
Applicable income taxes	$5,230,000	583
Income before extraordinary items	$13,916,000	474
Extraordinary gains, net	$0	35
Net income	$13,916,000	474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,109,000	435
Cash dividends	$6,310,000	563
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$13,870,010	468
1998-12-31 (YTD Data)		Rank
Total interest income	$57,676,000	615
Total interest expense	$25,909,000	646
Net interest income	$31,767,000	575
Provision for loan and lease losses	$1,692,000	653
Total noninterest income	$6,029,000	818
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$2,872,000	460
Trading account gains and fees	$2,000	213
Additional Noninterest Income	$3,155,000	875
Total noninterest expense	$20,562,000	725
Salaries and employee benefits	$5,400,000	1,215
Premises and equipment expense	$1,676,000	1,145
Additional noninterest expense	$13,486,000	476
Pre-tax net operating income	$15,542,000	536
Securities gains (losses)	$-141,000	10,407
Applicable income taxes	$4,326,000	644
Income before extraordinary items	$11,075,000	536
Extraordinary gains, net	$0	32
Net income	$11,075,000	535
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	9,741
Cash dividends	$11,683,000	342
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$11,176,520	501
1997-12-31 (YTD Data)		Rank
Total interest income	$55,218,000	643
Total interest expense	$24,853,000	675
Net interest income	$30,365,000	605
Provision for loan and lease losses	$2,381,000	509
Total noninterest income	$8,494,000	637
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$2,531,000	522
Trading account gains and fees	$0	239
Additional Noninterest Income	$5,963,000	549
Total noninterest expense	$21,054,000	711
Salaries and employee benefits	$5,407,000	1,218
Premises and equipment expense	$2,147,000	936
Additional noninterest expense	$13,500,000	457
Pre-tax net operating income	$15,424,000	562
Securities gains (losses)	$-11,000	10,082
Applicable income taxes	$4,704,000	631
Income before extraordinary items	$10,709,000	557
Extraordinary gains, net	$0	44
Net income	$10,709,000	557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,563,000	588
Cash dividends	$4,150,000	718
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$10,716,590	541
1996-12-31 (YTD Data)		Rank
Total interest income	$52,337,000	706
Total interest expense	$23,000,000	757
Net interest income	$29,337,000	671
Provision for loan and lease losses	$1,143,000	932
Total noninterest income	$6,467,000	799
Gross Fiduciary activities income	$188,000	989
Service charges on deposit accounts	$2,100,000	648
Trading account gains and fees	$0	262
Additional Noninterest Income	$4,179,000	717
Total noninterest expense	$19,839,000	792
Salaries and employee benefits	$5,252,000	1,280
Premises and equipment expense	$2,209,000	960
Additional noninterest expense	$12,378,000	572
Pre-tax net operating income	$14,822,000	569
Securities gains (losses)	$-25,000	10,754
Applicable income taxes	$4,616,000	630
Income before extraordinary items	$10,181,000	566
Extraordinary gains, net	$1,481,000	7
Net income	$11,662,000	508
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,849,000	603
Cash dividends	$20,132,000	275
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$10,198,250	550
1995-12-31 (YTD Data)		Rank
Total interest income	$51,059,000	748
Total interest expense	$22,326,000	803
Net interest income	$28,733,000	695
Provision for loan and lease losses	$1,527,000	704
Total noninterest income	$8,346,000	679
Gross Fiduciary activities income	$2,520,000	329
Service charges on deposit accounts	$2,147,000	638
Trading account gains and fees	$0	522
Additional Noninterest Income	$3,679,000	790
Total noninterest expense	$22,878,000	712
Salaries and employee benefits	$4,732,000	1,399
Premises and equipment expense	$2,101,000	1,021
Additional noninterest expense	$16,045,000	485
Pre-tax net operating income	$12,674,000	683
Securities gains (losses)	$-406,000	11,783
Applicable income taxes	$3,696,000	771
Income before extraordinary items	$8,572,000	684
Extraordinary gains, net	$0	65
Net income	$8,572,000	684
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,224,000	770
Cash dividends	$6,040,000	549
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$8,856,200	657
1994-12-31 (YTD Data)		Rank
Total interest income	$47,066,000	738
Total interest expense	$18,715,000	760
Net interest income	$28,351,000	700
Provision for loan and lease losses	$1,511,000	709
Total noninterest income	$6,278,000	792
Gross Fiduciary activities income	$2,510,000	321
Service charges on deposit accounts	$2,159,000	635
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,609,000	1,309
Total noninterest expense	$22,832,000	723
Salaries and employee benefits	$4,951,000	1,369
Premises and equipment expense	$2,354,000	910
Additional noninterest expense	$15,527,000	517
Pre-tax net operating income	$10,286,000	774
Securities gains (losses)	$-961,000	12,394
Applicable income taxes	$2,751,000	937
Income before extraordinary items	$6,574,000	810
Extraordinary gains, net	$152,000	82
Net income	$6,726,000	794
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,123,000	412
Cash dividends	$1,863,000	1,189
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$7,246,700	748
1993-12-31 (YTD Data)		Rank
Total interest income	$42,420,000	797
Total interest expense	$16,896,000	837
Net interest income	$25,524,000	760
Provision for loan and lease losses	$4,167,000	500
Total noninterest income	$6,590,000	800
Gross Fiduciary activities income	$2,571,000	329
Service charges on deposit accounts	$2,356,000	581
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,663,000	1,432
Total noninterest expense	$23,118,000	740
Salaries and employee benefits	$5,900,000	1,147
Premises and equipment expense	$2,171,000	1,006
Additional noninterest expense	$15,047,000	574
Pre-tax net operating income	$4,829,000	1,449
Securities gains (losses)	$47,000	3,500
Applicable income taxes	$1,375,000	1,695
Income before extraordinary items	$3,501,000	1,452
Extraordinary gains, net	$0	3,149
Net income	$3,501,000	1,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,065,000	556
Cash dividends	$1,993,000	1,048
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,467,160	1,376
1992-12-31 (YTD Data)		Rank
Total interest income	$43,534,000	872
Total interest expense	$19,343,000	938
Net interest income	$24,191,000	808
Provision for loan and lease losses	$4,015,000	678
Total noninterest income	$7,780,000	707
Gross Fiduciary activities income	$2,410,000	344
Service charges on deposit accounts	$2,080,000	657
Trading account gains and fees	$0	504
Additional Noninterest Income	$3,290,000	894
Total noninterest expense	$22,917,000	761
Salaries and employee benefits	$7,920,000	859
Premises and equipment expense	$2,523,000	932
Additional noninterest expense	$12,474,000	649
Pre-tax net operating income	$5,039,000	1,264
Securities gains (losses)	$27,000	5,154
Applicable income taxes	$1,453,000	1,482
Income before extraordinary items	$3,613,000	1,291
Extraordinary gains, net	$0	1,422
Net income	$3,613,000	1,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,048,000	724
Cash dividends	$1,479,000	1,118
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,593,830	1,197

* 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.