Home > First Heritage Bank, N.A. > Income and Expense
First Heritage Bank, N.A., Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,720,000 | 4,445 |
| Total interest expense | $2,034,000 | 3,700 |
| Net interest income | $1,686,000 | 5,132 |
| Provision for loan and lease losses | $3,480,000 | 552 |
| Total noninterest income | $1,298,000 | 1,823 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $325,000 | 2,476 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $973,000 | 1,429 |
| Total noninterest expense | $4,291,000 | 2,233 |
| Salaries and employee benefits | $1,925,000 | 2,662 |
| Premises and equipment expense | $275,000 | 4,237 |
| Additional noninterest expense | $2,091,000 | 1,404 |
| Pre-tax net operating income | $-4,787,000 | 8,288 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $69,000 | 3,808 |
| Income before extraordinary items | $-4,856,000 | 8,314 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,856,000 | 8,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $483,000 | 1,343 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-4,856,000 | 8,307 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,913,000 | 4,450 |
| Total interest expense | $877,000 | 4,254 |
| Net interest income | $1,036,000 | 4,503 |
| Provision for loan and lease losses | $1,589,000 | 457 |
| Total noninterest income | $1,149,000 | 1,195 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $145,000 | 2,698 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,004,000 | 862 |
| Total noninterest expense | $2,413,000 | 1,988 |
| Salaries and employee benefits | $1,081,000 | 2,405 |
| Premises and equipment expense | $140,000 | 4,199 |
| Additional noninterest expense | $1,192,000 | 1,201 |
| Pre-tax net operating income | $-1,817,000 | 8,359 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $69,000 | 3,233 |
| Income before extraordinary items | $-1,886,000 | 8,379 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,886,000 | 8,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,886,000 | 8,375 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,783,000 | 2,441 |
| Total interest expense | $8,455,000 | 2,222 |
| Net interest income | $8,328,000 | 2,633 |
| Provision for loan and lease losses | $294,000 | 3,244 |
| Total noninterest income | $3,895,000 | 1,328 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $372,000 | 3,664 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,523,000 | 901 |
| Total noninterest expense | $7,880,000 | 2,317 |
| Salaries and employee benefits | $3,914,000 | 2,537 |
| Premises and equipment expense | $595,000 | 3,861 |
| Additional noninterest expense | $3,371,000 | 1,655 |
| Pre-tax net operating income | $4,049,000 | 1,963 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,553,000 | 1,388 |
| Income before extraordinary items | $2,496,000 | 2,367 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,496,000 | 2,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,496,000 | 2,358 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,441,000 | 2,467 |
| Total interest expense | $6,548,000 | 2,160 |
| Net interest income | $5,893,000 | 2,780 |
| Provision for loan and lease losses | $195,000 | 3,051 |
| Total noninterest income | $2,840,000 | 1,363 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $224,000 | 4,095 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,616,000 | 915 |
| Total noninterest expense | $5,592,000 | 2,420 |
| Salaries and employee benefits | $2,771,000 | 2,665 |
| Premises and equipment expense | $433,000 | 3,931 |
| Additional noninterest expense | $2,388,000 | 1,700 |
| Pre-tax net operating income | $2,946,000 | 2,143 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,116,000 | 1,519 |
| Income before extraordinary items | $1,830,000 | 2,567 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,830,000 | 2,565 |
| 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 | $1,830,000 | 2,542 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,210,000 | 2,506 |
| Total interest expense | $4,325,000 | 2,185 |
| Net interest income | $3,885,000 | 2,830 |
| Provision for loan and lease losses | $130,000 | 2,852 |
| Total noninterest income | $1,689,000 | 1,527 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $126,000 | 4,462 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,563,000 | 1,017 |
| Total noninterest expense | $3,793,000 | 2,412 |
| Salaries and employee benefits | $1,982,000 | 2,545 |
| Premises and equipment expense | $282,000 | 4,020 |
| Additional noninterest expense | $1,529,000 | 1,775 |
| Pre-tax net operating income | $1,651,000 | 2,511 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $641,000 | 1,757 |
| Income before extraordinary items | $1,010,000 | 3,017 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,010,000 | 3,016 |
| 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 | $1,010,000 | 3,001 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,940,000 | 2,593 |
| Total interest expense | $2,049,000 | 2,275 |
| Net interest income | $1,891,000 | 2,899 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $889,000 | 1,431 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $847,000 | 955 |
| Total noninterest expense | $1,827,000 | 2,508 |
| Salaries and employee benefits | $960,000 | 2,638 |
| Premises and equipment expense | $106,000 | 4,871 |
| Additional noninterest expense | $761,000 | 1,759 |
| Pre-tax net operating income | $953,000 | 2,254 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $370,000 | 1,606 |
| Income before extraordinary items | $583,000 | 2,692 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $583,000 | 2,694 |
| 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 | $583,000 | 2,680 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,345,000 | 2,820 |
| Total interest expense | $8,914,000 | 1,869 |
| Net interest income | $4,431,000 | 4,385 |
| Provision for loan and lease losses | $345,000 | 2,546 |
| Total noninterest income | $409,000 | 5,557 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $156,000 | 5,454 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $253,000 | 4,628 |
| Total noninterest expense | $4,679,000 | 3,528 |
| Salaries and employee benefits | $3,079,000 | 3,061 |
| Premises and equipment expense | $454,000 | 4,539 |
| Additional noninterest expense | $1,146,000 | 4,082 |
| Pre-tax net operating income | $-184,000 | 8,107 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-72,000 | 8,330 |
| Income before extraordinary items | $-112,000 | 8,090 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-112,000 | 8,092 |
| 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 | $0 | 1,251 |
| Net operating income | $-112,000 | 8,081 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,540,000 | 2,925 |
| Total interest expense | $6,793,000 | 1,788 |
| Net interest income | $2,747,000 | 4,956 |
| Provision for loan and lease losses | $130,000 | 3,706 |
| Total noninterest income | $121,000 | 7,277 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $113,000 | 5,578 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,304 |
| Total noninterest expense | $3,590,000 | 3,459 |
| Salaries and employee benefits | $2,405,000 | 2,944 |
| Premises and equipment expense | $271,000 | 5,242 |
| Additional noninterest expense | $914,000 | 3,874 |
| Pre-tax net operating income | $-852,000 | 8,548 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-320,000 | 8,664 |
| Income before extraordinary items | $-532,000 | 8,483 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-532,000 | 8,483 |
| 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 | $0 | 1,045 |
| Net operating income | $-532,000 | 8,473 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,211,000 | 2,938 |
| Total interest expense | $4,495,000 | 1,723 |
| Net interest income | $1,716,000 | 5,186 |
| Provision for loan and lease losses | $75,000 | 3,786 |
| Total noninterest income | $84,000 | 7,265 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $78,000 | 5,510 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,317 |
| Total noninterest expense | $2,461,000 | 3,387 |
| Salaries and employee benefits | $1,597,000 | 2,968 |
| Premises and equipment expense | $185,000 | 5,180 |
| Additional noninterest expense | $679,000 | 3,574 |
| Pre-tax net operating income | $-736,000 | 8,635 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-277,000 | 8,712 |
| Income before extraordinary items | $-459,000 | 8,571 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-459,000 | 8,571 |
| 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 | $0 | 887 |
| Net operating income | $-459,000 | 8,566 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,907,000 | 3,053 |
| Total interest expense | $1,955,000 | 1,863 |
| Net interest income | $952,000 | 4,856 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $43,000 | 7,194 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $1,489,000 | 2,890 |
| Salaries and employee benefits | $842,000 | 2,842 |
| Premises and equipment expense | $88,000 | 5,343 |
| Additional noninterest expense | $559,000 | 2,288 |
| Pre-tax net operating income | $-519,000 | 8,702 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-195,000 | 8,732 |
| Income before extraordinary items | $-324,000 | 8,649 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-324,000 | 8,648 |
| 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 | $0 | 648 |
| Net operating income | $-324,000 | 8,641 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,467,000 | 4,859 |
| Total interest expense | $3,380,000 | 3,026 |
| Net interest income | $2,087,000 | 6,548 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $80,000 | 8,140 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $21,000 | 7,456 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $59,000 | 7,187 |
| Total noninterest expense | $4,731,000 | 3,391 |
| Salaries and employee benefits | $1,656,000 | 4,748 |
| Premises and equipment expense | $347,000 | 5,316 |
| Additional noninterest expense | $2,728,000 | 1,856 |
| Pre-tax net operating income | $-2,624,000 | 8,788 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-1,001,000 | 8,799 |
| Income before extraordinary items | $-1,623,000 | 8,750 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,623,000 | 8,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,623,000 | 8,734 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 5,274 |
| Total interest expense | $2,116,000 | 3,351 |
| Net interest income | $1,474,000 | 6,710 |
| Provision for loan and lease losses | $40,000 | 5,540 |
| Total noninterest income | $7,000 | 8,725 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,652 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,723 |
| Total noninterest expense | $3,266,000 | 3,605 |
| Salaries and employee benefits | $1,240,000 | 4,728 |
| Premises and equipment expense | $246,000 | 5,485 |
| Additional noninterest expense | $1,780,000 | 2,092 |
| Pre-tax net operating income | $-1,825,000 | 8,803 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-702,000 | 8,834 |
| Income before extraordinary items | $-1,123,000 | 8,763 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,123,000 | 8,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-1,123,000 | 8,744 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 5,777 |
| Total interest expense | $1,076,000 | 3,932 |
| Net interest income | $900,000 | 6,938 |
| Provision for loan and lease losses | $22,000 | 5,594 |
| Total noninterest income | $0 | 8,806 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $1,999,000 | 3,813 |
| Salaries and employee benefits | $748,000 | 5,032 |
| Premises and equipment expense | $158,000 | 5,558 |
| Additional noninterest expense | $1,093,000 | 2,241 |
| Pre-tax net operating income | $-1,121,000 | 8,792 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-432,000 | 8,827 |
| Income before extraordinary items | $-689,000 | 8,753 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-689,000 | 8,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-689,000 | 8,730 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $556,000 | 7,271 |
| Total interest expense | $275,000 | 5,716 |
| Net interest income | $281,000 | 7,904 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $0 | 8,858 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $658,000 | 5,210 |
| Salaries and employee benefits | $219,000 | 6,759 |
| Premises and equipment expense | $51,000 | 6,715 |
| Additional noninterest expense | $388,000 | 3,099 |
| Pre-tax net operating income | $-384,000 | 8,818 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-148,000 | 8,871 |
| Income before extraordinary items | $-236,000 | 8,775 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-236,000 | 8,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-236,000 | 8,756 |
* 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.