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Heights State Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$3,550,0006,738
Total interest expense$1,207,0007,602
Net interest income$2,343,0005,942
Provision for loan and lease losses$24,0007,420
Total noninterest income$570,0004,719
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$530,0002,704
Trading account gains and fees$0177
Additional Noninterest Income$40,0008,001
Total noninterest expense$1,599,0006,578
Salaries and employee benefits$901,0006,366
Premises and equipment expense$87,0008,512
Additional noninterest expense$611,0005,766
Pre-tax net operating income$1,290,0004,243
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$1,290,0003,603
Extraordinary gains, net$0105
Net income$1,290,0003,605
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0006,947
Cash dividends$800,0002,618
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,290,0003,503
2000-12-31 (YTD Data)Rank
Total interest income$3,510,0006,925
Total interest expense$1,236,0007,730
Net interest income$2,274,0006,156
Provision for loan and lease losses$18,0007,686
Total noninterest income$538,0004,704
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$503,0002,675
Trading account gains and feesNANA
Additional Noninterest Income$35,0008,337
Total noninterest expense$1,449,0006,877
Salaries and employee benefits$845,0006,525
Premises and equipment expense$5,0009,853
Additional noninterest expense$599,0005,796
Pre-tax net operating income$1,345,0004,398
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$1,345,0003,541
Extraordinary gains, net$038
Net income$1,345,0003,541
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0004,889
Cash dividends$950,0002,385
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,345,0003,531
1999-12-31 (YTD Data)Rank
Total interest income$3,193,0007,166
Total interest expense$1,147,0007,786
Net interest income$2,046,0006,558
Provision for loan and lease losses$18,0007,756
Total noninterest income$532,0004,777
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$493,0002,669
Trading account gains and feesNANA
Additional Noninterest Income$39,0008,465
Total noninterest expense$1,364,0007,132
Salaries and employee benefits$817,0006,679
Premises and equipment expense$-1,00010,214
Additional noninterest expense$548,0006,166
Pre-tax net operating income$1,196,0004,775
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$1,196,0003,893
Extraordinary gains, net$035
Net income$1,196,0003,894
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0006,980
Cash dividends$725,0002,842
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,196,0003,860
1998-12-31 (YTD Data)Rank
Total interest income$3,203,0007,283
Total interest expense$1,134,0008,065
Net interest income$2,069,0006,541
Provision for loan and lease losses$18,0007,833
Total noninterest income$570,0004,547
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$524,0002,451
Trading account gains and feesNANA
Additional Noninterest Income$46,0008,300
Total noninterest expense$1,328,0007,163
Salaries and employee benefits$773,0006,801
Premises and equipment expense$-19,00010,460
Additional noninterest expense$574,0005,918
Pre-tax net operating income$1,293,0004,640
Securities gains (losses)$04,449
Applicable income taxes$09,340
Income before extraordinary items$1,293,0003,711
Extraordinary gains, net$032
Net income$1,293,0003,710
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,842
Cash dividends$800,0002,583
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,293,0003,612
1997-12-31 (YTD Data)Rank
Total interest income$3,207,0007,501
Total interest expense$1,236,0008,016
Net interest income$1,971,0006,972
Provision for loan and lease losses$18,0007,986
Total noninterest income$501,0004,990
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$460,0002,840
Trading account gains and feesNANA
Additional Noninterest Income$41,0008,825
Total noninterest expense$1,221,0007,600
Salaries and employee benefits$718,0007,219
Premises and equipment expense$-6,00010,920
Additional noninterest expense$509,0006,430
Pre-tax net operating income$1,233,0005,152
Securities gains (losses)$03,944
Applicable income taxes$-45,00010,616
Income before extraordinary items$1,278,0003,855
Extraordinary gains, net$044
Net income$1,278,0003,854
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,728
Cash dividends$600,0003,054
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,278,0003,785
1996-12-31 (YTD Data)Rank
Total interest income$2,888,0008,148
Total interest expense$1,092,0008,722
Net interest income$1,796,0007,570
Provision for loan and lease losses$19,0008,051
Total noninterest income$557,0004,795
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$508,0002,688
Trading account gains and feesNANA
Additional Noninterest Income$49,0008,929
Total noninterest expense$1,200,0007,988
Salaries and employee benefits$693,0007,580
Premises and equipment expense$-21,00011,448
Additional noninterest expense$528,0006,850
Pre-tax net operating income$1,134,0005,307
Securities gains (losses)$04,148
Applicable income taxes$329,0005,529
Income before extraordinary items$805,0005,285
Extraordinary gains, net$053
Net income$805,0005,286
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,612
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$805,0005,217
1995-12-31 (YTD Data)Rank
Total interest income$2,637,0008,738
Total interest expense$918,0009,557
Net interest income$1,719,0007,966
Provision for loan and lease losses$18,0007,795
Total noninterest income$544,0004,890
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$491,0002,770
Trading account gains and feesNANA
Additional Noninterest Income$53,0009,088
Total noninterest expense$1,156,0008,368
Salaries and employee benefits$665,0007,961
Premises and equipment expense$-48,00011,969
Additional noninterest expense$539,0006,952
Pre-tax net operating income$1,089,0005,640
Securities gains (losses)$03,831
Applicable income taxes$328,0005,688
Income before extraordinary items$761,0005,645
Extraordinary gains, net$065
Net income$761,0005,644
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,657
Cash dividends$215,0005,307
Sale, conversion, retirement of capital stock, net$0809
Net operating income$761,0005,632
1994-12-31 (YTD Data)Rank
Total interest income$2,213,0009,404
Total interest expense$788,0009,659
Net interest income$1,425,0009,086
Provision for loan and lease losses$18,0007,907
Total noninterest income$488,0005,387
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$444,0003,082
Trading account gains and feesNANA
Additional Noninterest Income$44,0009,933
Total noninterest expense$1,096,0008,999
Salaries and employee benefits$569,0008,826
Premises and equipment expense$3,00012,571
Additional noninterest expense$524,0007,641
Pre-tax net operating income$799,0006,873
Securities gains (losses)$03,600
Applicable income taxes$233,0006,778
Income before extraordinary items$566,0006,794
Extraordinary gains, net$0249
Net income$566,0006,809
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$75,0007,404
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$566,0006,845
1993-12-31 (YTD Data)Rank
Total interest income$2,015,00010,140
Total interest expense$740,00010,359
Net interest income$1,275,0009,821
Provision for loan and lease losses$18,0009,198
Total noninterest income$470,0005,829
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$428,0003,241
Trading account gains and feesNANA
Additional Noninterest Income$42,00010,560
Total noninterest expense$952,0009,967
Salaries and employee benefits$503,0009,638
Premises and equipment expense$2,00013,254
Additional noninterest expense$447,0008,754
Pre-tax net operating income$775,0006,950
Securities gains (losses)$-2,00012,373
Applicable income taxes$226,0007,158
Income before extraordinary items$547,0007,168
Extraordinary gains, net$03,149
Net income$547,0007,337
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0009,724
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$548,4206,907
1992-12-31 (YTD Data)Rank
Total interest income$1,894,00011,111
Total interest expense$767,00011,479
Net interest income$1,127,00010,599
Provision for loan and lease losses$18,00010,694
Total noninterest income$391,0006,637
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$339,0004,034
Trading account gains and feesNANA
Additional Noninterest Income$52,00010,289
Total noninterest expense$901,00010,474
Salaries and employee benefits$459,00010,213
Premises and equipment expense$15,00013,772
Additional noninterest expense$427,0009,235
Pre-tax net operating income$599,0007,719
Securities gains (losses)$08,369
Applicable income taxes$168,0008,209
Income before extraordinary items$431,0007,921
Extraordinary gains, net$01,422
Net income$431,0008,041
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,00010,714
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$431,0007,563

* 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.