Home > Heber Valley National Bank > Income and Expense
Heber Valley National Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,479,000 | 7,499 |
| Total interest expense | $352,000 | 7,671 |
| Net interest income | $1,127,000 | 7,333 |
| Provision for loan and lease losses | $23,000 | 6,069 |
| Total noninterest income | $58,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $37,000 | 7,148 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,938 |
| Total noninterest expense | $868,000 | 7,469 |
| Salaries and employee benefits | $485,000 | 7,431 |
| Premises and equipment expense | $137,000 | 6,900 |
| Additional noninterest expense | $246,000 | 7,477 |
| Pre-tax net operating income | $294,000 | 7,229 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $104,000 | 5,203 |
| Income before extraordinary items | $190,000 | 7,500 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $190,000 | 7,501 |
| 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 | $190,000 | 7,471 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $944,000 | 7,566 |
| Total interest expense | $217,000 | 7,733 |
| Net interest income | $727,000 | 7,407 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $41,000 | 8,164 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $25,000 | 7,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $16,000 | 7,844 |
| Total noninterest expense | $506,000 | 7,708 |
| Salaries and employee benefits | $283,000 | 7,703 |
| Premises and equipment expense | $88,000 | 6,964 |
| Additional noninterest expense | $135,000 | 7,795 |
| Pre-tax net operating income | $247,000 | 6,938 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $84,000 | 5,033 |
| Income before extraordinary items | $163,000 | 7,231 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $163,000 | 7,232 |
| 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 | $163,000 | 7,189 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $462,000 | 7,644 |
| Total interest expense | $106,000 | 7,755 |
| Net interest income | $356,000 | 7,497 |
| Provision for loan and lease losses | $8,000 | 5,590 |
| Total noninterest income | $22,000 | 8,118 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,631 |
| Total noninterest expense | $228,000 | 7,961 |
| Salaries and employee benefits | $124,000 | 7,963 |
| Premises and equipment expense | $46,000 | 6,938 |
| Additional noninterest expense | $58,000 | 8,095 |
| Pre-tax net operating income | $142,000 | 6,670 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $48,000 | 4,803 |
| Income before extraordinary items | $94,000 | 7,002 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $94,000 | 7,004 |
| 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 | $94,000 | 6,975 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 7,864 |
| Total interest expense | $338,000 | 7,927 |
| Net interest income | $1,183,000 | 7,761 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $130,000 | 7,795 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $44,000 | 7,380 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $86,000 | 6,660 |
| Total noninterest expense | $935,000 | 7,928 |
| Salaries and employee benefits | $522,000 | 7,920 |
| Premises and equipment expense | $176,000 | 7,018 |
| Additional noninterest expense | $237,000 | 8,077 |
| Pre-tax net operating income | $328,000 | 7,351 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $110,000 | 5,417 |
| Income before extraordinary items | $218,000 | 7,558 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $218,000 | 7,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,343 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $218,000 | 7,519 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 7,940 |
| Total interest expense | $245,000 | 8,006 |
| Net interest income | $863,000 | 7,847 |
| Provision for loan and lease losses | $43,000 | 5,652 |
| Total noninterest income | $104,000 | 7,741 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $34,000 | 7,408 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 6,544 |
| Total noninterest expense | $703,000 | 7,907 |
| Salaries and employee benefits | $395,000 | 7,874 |
| Premises and equipment expense | $132,000 | 7,004 |
| Additional noninterest expense | $176,000 | 8,083 |
| Pre-tax net operating income | $221,000 | 7,594 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $74,000 | 5,656 |
| Income before extraordinary items | $147,000 | 7,797 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $147,000 | 7,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,778 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $147,000 | 7,757 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $735,000 | 8,008 |
| Total interest expense | $159,000 | 8,115 |
| Net interest income | $576,000 | 7,892 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $80,000 | 7,595 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $23,000 | 7,421 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $57,000 | 6,220 |
| Total noninterest expense | $468,000 | 7,959 |
| Salaries and employee benefits | $267,000 | 7,908 |
| Premises and equipment expense | $86,000 | 7,074 |
| Additional noninterest expense | $115,000 | 8,149 |
| Pre-tax net operating income | $158,000 | 7,504 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $53,000 | 5,582 |
| Income before extraordinary items | $105,000 | 7,728 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 7,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $105,000 | 7,661 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $379,000 | 7,994 |
| Total interest expense | $79,000 | 8,191 |
| Net interest income | $300,000 | 7,852 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $42,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $31,000 | 6,045 |
| Total noninterest expense | $233,000 | 7,997 |
| Salaries and employee benefits | $134,000 | 7,931 |
| Premises and equipment expense | $43,000 | 7,106 |
| Additional noninterest expense | $56,000 | 8,253 |
| Pre-tax net operating income | $94,000 | 7,241 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $31,000 | 5,362 |
| Income before extraordinary items | $63,000 | 7,517 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $63,000 | 7,519 |
| 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 | $63,000 | 7,449 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,397,000 | 8,178 |
| Total interest expense | $335,000 | 8,350 |
| Net interest income | $1,062,000 | 8,018 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $181,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $50,000 | 7,429 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $131,000 | 6,069 |
| Total noninterest expense | $891,000 | 8,105 |
| Salaries and employee benefits | $513,000 | 8,032 |
| Premises and equipment expense | $170,000 | 7,137 |
| Additional noninterest expense | $208,000 | 8,393 |
| Pre-tax net operating income | $232,000 | 7,710 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $79,000 | 5,941 |
| Income before extraordinary items | $153,000 | 7,994 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $153,000 | 7,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $153,000 | 7,873 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,039,000 | 8,282 |
| Total interest expense | $255,000 | 8,452 |
| Net interest income | $784,000 | 8,112 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $154,000 | 7,351 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $38,000 | 7,484 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $116,000 | 5,793 |
| Total noninterest expense | $673,000 | 8,076 |
| Salaries and employee benefits | $392,000 | 7,969 |
| Premises and equipment expense | $127,000 | 7,158 |
| Additional noninterest expense | $154,000 | 8,428 |
| Pre-tax net operating income | $175,000 | 7,848 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $60,000 | 6,068 |
| Income before extraordinary items | $115,000 | 8,128 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $115,000 | 8,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $115,000 | 7,992 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $679,000 | 8,368 |
| Total interest expense | $174,000 | 8,512 |
| Net interest income | $505,000 | 8,199 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $90,000 | 7,570 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $24,000 | 7,541 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $66,000 | 6,086 |
| Total noninterest expense | $437,000 | 8,157 |
| Salaries and employee benefits | $251,000 | 8,074 |
| Premises and equipment expense | $85,000 | 7,152 |
| Additional noninterest expense | $101,000 | 8,436 |
| Pre-tax net operating income | $98,000 | 8,026 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $33,000 | 6,264 |
| Income before extraordinary items | $65,000 | 8,287 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $65,000 | 8,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $65,000 | 8,145 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $330,000 | 8,487 |
| Total interest expense | $88,000 | 8,589 |
| Net interest income | $242,000 | 8,294 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $45,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $216,000 | 8,208 |
| Salaries and employee benefits | $124,000 | 8,121 |
| Premises and equipment expense | $42,000 | 7,220 |
| Additional noninterest expense | $50,000 | 8,487 |
| Pre-tax net operating income | $41,000 | 8,135 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $14,000 | 6,371 |
| Income before extraordinary items | $27,000 | 8,344 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $27,000 | 8,342 |
| 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 | $27,000 | 8,215 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,032,000 | 8,820 |
| Total interest expense | $326,000 | 8,840 |
| Net interest income | $706,000 | 8,733 |
| Provision for loan and lease losses | $90,000 | 5,880 |
| Total noninterest income | $133,000 | 8,026 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $55,000 | 7,443 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,931 |
| Total noninterest expense | $794,000 | 8,362 |
| Salaries and employee benefits | $447,000 | 8,337 |
| Premises and equipment expense | $162,000 | 7,283 |
| Additional noninterest expense | $185,000 | 8,657 |
| Pre-tax net operating income | $-45,000 | 8,702 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-12,000 | 8,873 |
| Income before extraordinary items | $-33,000 | 8,776 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-33,000 | 8,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-33,000 | 8,702 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $686,000 | 9,331 |
| Total interest expense | $303,000 | 9,291 |
| Net interest income | $383,000 | 9,322 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $41,000 | 9,261 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $28,000 | 8,010 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $13,000 | 9,003 |
| Total noninterest expense | $712,000 | 8,654 |
| Salaries and employee benefits | $377,000 | 8,715 |
| Premises and equipment expense | $154,000 | 7,452 |
| Additional noninterest expense | $181,000 | 8,812 |
| Pre-tax net operating income | $-348,000 | 9,071 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-117,000 | 9,290 |
| Income before extraordinary items | $-231,000 | 9,079 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-231,000 | 9,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-231,000 | 9,018 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $181,000 | 9,833 |
| Total interest expense | $76,000 | 9,766 |
| Net interest income | $105,000 | 9,842 |
| Provision for loan and lease losses | $40,000 | 6,852 |
| Total noninterest income | $15,000 | 9,711 |
| 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 | $8,000 | 9,518 |
| Total noninterest expense | $426,000 | 9,540 |
| Salaries and employee benefits | $213,000 | 9,591 |
| Premises and equipment expense | $62,000 | 9,133 |
| Additional noninterest expense | $151,000 | 9,225 |
| Pre-tax net operating income | $-346,000 | 9,453 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-117,000 | 9,608 |
| Income before extraordinary items | $-229,000 | 9,401 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-229,000 | 9,400 |
| 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 | $2,500,000 | 320 |
| Net operating income | $-229,000 | 9,401 |
* 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.