Home > Heartland Savings Bank > Income and Expense
Heartland Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,603,000 | 4,808 |
| Total interest expense | $4,013,000 | 3,707 |
| Net interest income | $2,590,000 | 6,055 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $658,000 | 4,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $552,000 | 2,723 |
| Total noninterest expense | $2,594,000 | 4,854 |
| Salaries and employee benefits | $927,000 | 6,325 |
| Premises and equipment expense | $334,000 | 5,180 |
| Additional noninterest expense | $1,333,000 | 3,453 |
| Pre-tax net operating income | $642,000 | 7,216 |
| Securities gains (losses) | $-21,000 | 10,654 |
| Applicable income taxes | $212,000 | 6,957 |
| Income before extraordinary items | $409,000 | 7,544 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $409,000 | 7,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $422,860 | 7,376 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,546,000 | 4,827 |
| Total interest expense | $4,030,000 | 3,655 |
| Net interest income | $2,516,000 | 6,284 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $461,000 | 5,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $360,000 | 3,539 |
| Total noninterest expense | $2,077,000 | 5,816 |
| Salaries and employee benefits | $920,000 | 6,459 |
| Premises and equipment expense | $323,000 | 5,325 |
| Additional noninterest expense | $834,000 | 5,082 |
| Pre-tax net operating income | $810,000 | 6,792 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $262,000 | 6,486 |
| Income before extraordinary items | $548,000 | 6,912 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $548,000 | 6,910 |
| 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 | $548,000 | 6,888 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,772,000 | 5,038 |
| Total interest expense | $3,238,000 | 3,692 |
| Net interest income | $2,534,000 | 6,410 |
| Provision for loan and lease losses | $48,000 | 6,241 |
| Total noninterest income | $299,000 | 7,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 5,253 |
| Total noninterest expense | $2,100,000 | 5,962 |
| Salaries and employee benefits | $1,017,000 | 6,013 |
| Premises and equipment expense | $330,000 | 5,310 |
| Additional noninterest expense | $753,000 | 5,979 |
| Pre-tax net operating income | $685,000 | 7,487 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $261,000 | 6,379 |
| Income before extraordinary items | $433,000 | 7,869 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $433,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $427,240 | 7,965 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,573,000 | 5,270 |
| Total interest expense | $3,357,000 | 3,732 |
| Net interest income | $2,216,000 | 7,142 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $310,000 | 7,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $310,000 | 4,382 |
| Total noninterest expense | $2,362,000 | 5,537 |
| Salaries and employee benefits | $970,000 | 6,309 |
| Premises and equipment expense | $747,000 | 2,716 |
| Additional noninterest expense | $645,000 | 6,971 |
| Pre-tax net operating income | $164,000 | 11,369 |
| Securities gains (losses) | $434,000 | 996 |
| Applicable income taxes | $171,000 | 8,187 |
| Income before extraordinary items | $427,000 | 8,162 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $427,000 | 8,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 3,131 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $118,860 | 11,389 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,895,000 | 4,334 |
| Total interest expense | $5,695,000 | 2,924 |
| Net interest income | $2,200,000 | 7,245 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $466,000 | 5,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $466,000 | 3,342 |
| Total noninterest expense | $2,876,000 | 4,704 |
| Salaries and employee benefits | $1,050,000 | 5,779 |
| Premises and equipment expense | $740,000 | 2,791 |
| Additional noninterest expense | $1,086,000 | 4,736 |
| Pre-tax net operating income | $-210,000 | 13,104 |
| Securities gains (losses) | $258,000 | 1,680 |
| Applicable income taxes | $35,000 | 11,656 |
| Income before extraordinary items | $13,000 | 12,815 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $13,000 | 12,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 3,279 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $6,500,000 | 134 |
| Net operating income | $-152,120 | 12,986 |
* 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.