Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,512,000 | 5,373 |
| Total interest expense | $2,735,000 | 5,259 |
| Net interest income | $2,777,000 | 5,436 |
| Provision for loan and lease losses | $96,000 | 5,401 |
| Total noninterest income | $765,000 | 3,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $613,000 | 2,247 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,433 |
| Total noninterest expense | $1,969,000 | 5,736 |
| Salaries and employee benefits | $1,284,000 | 4,942 |
| Premises and equipment expense | $246,000 | 6,112 |
| Additional noninterest expense | $439,000 | 6,857 |
| Pre-tax net operating income | $1,477,000 | 4,109 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $373,000 | 4,142 |
| Income before extraordinary items | $1,103,000 | 4,096 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,103,000 | 4,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,507 |
| Cash dividends | $700,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,103,750 | 4,094 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,976,000 | 5,600 |
| Total interest expense | $2,388,000 | 5,349 |
| Net interest income | $2,588,000 | 5,682 |
| Provision for loan and lease losses | $62,000 | 6,096 |
| Total noninterest income | $712,000 | 3,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $595,000 | 2,251 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,247 |
| Total noninterest expense | $2,005,000 | 5,671 |
| Salaries and employee benefits | $1,271,000 | 4,951 |
| Premises and equipment expense | $261,000 | 5,901 |
| Additional noninterest expense | $473,000 | 6,724 |
| Pre-tax net operating income | $1,233,000 | 4,688 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $299,000 | 4,832 |
| Income before extraordinary items | $940,000 | 4,614 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $940,000 | 4,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,686 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $935,440 | 4,597 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,551,000 | 6,011 |
| Total interest expense | $2,252,000 | 5,742 |
| Net interest income | $2,299,000 | 6,130 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $585,000 | 4,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $517,000 | 2,482 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,535 |
| Total noninterest expense | $1,744,000 | 6,137 |
| Salaries and employee benefits | $1,059,000 | 5,557 |
| Premises and equipment expense | $272,000 | 5,673 |
| Additional noninterest expense | $413,000 | 7,114 |
| Pre-tax net operating income | $1,116,000 | 5,103 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $276,000 | 5,402 |
| Income before extraordinary items | $841,000 | 5,028 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $841,000 | 5,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $1,400,000 | 1,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $840,250 | 4,945 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,350,000 | 6,345 |
| Total interest expense | $2,071,000 | 6,130 |
| Net interest income | $2,279,000 | 6,399 |
| Provision for loan and lease losses | $34,000 | 7,270 |
| Total noninterest income | $526,000 | 4,829 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $440,000 | 2,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,197 |
| Total noninterest expense | $1,520,000 | 6,740 |
| Salaries and employee benefits | $955,000 | 6,029 |
| Premises and equipment expense | $243,000 | 6,164 |
| Additional noninterest expense | $322,000 | 8,106 |
| Pre-tax net operating income | $1,251,000 | 5,097 |
| Securities gains (losses) | $44,000 | 1,416 |
| Applicable income taxes | $338,000 | 5,407 |
| Income before extraordinary items | $957,000 | 4,855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $957,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $924,440 | 4,910 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,193,000 | 6,684 |
| Total interest expense | $2,050,000 | 6,319 |
| Net interest income | $2,143,000 | 6,873 |
| Provision for loan and lease losses | $68,000 | 5,903 |
| Total noninterest income | $493,000 | 5,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $406,000 | 3,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,512 |
| Total noninterest expense | $1,403,000 | 7,386 |
| Salaries and employee benefits | $939,000 | 6,271 |
| Premises and equipment expense | $153,000 | 7,986 |
| Additional noninterest expense | $311,000 | 8,759 |
| Pre-tax net operating income | $1,165,000 | 5,223 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $284,000 | 6,018 |
| Income before extraordinary items | $886,000 | 4,933 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $886,000 | 4,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,856 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $882,200 | 4,892 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,178,000 | 6,819 |
| Total interest expense | $1,994,000 | 6,476 |
| Net interest income | $2,184,000 | 6,902 |
| Provision for loan and lease losses | $35,000 | 6,883 |
| Total noninterest income | $492,000 | 5,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,422 |
| Total noninterest expense | $1,469,000 | 7,364 |
| Salaries and employee benefits | $887,000 | 6,619 |
| Premises and equipment expense | $167,000 | 7,878 |
| Additional noninterest expense | $415,000 | 8,043 |
| Pre-tax net operating income | $1,172,000 | 5,338 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $289,000 | 6,150 |
| Income before extraordinary items | $889,000 | 5,038 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $889,000 | 5,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $700,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $884,500 | 5,053 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,717,000 | 7,043 |
| Total interest expense | $1,628,000 | 6,535 |
| Net interest income | $2,089,000 | 7,353 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $474,000 | 5,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $390,000 | 3,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,542,000 | 7,464 |
| Salaries and employee benefits | $883,000 | 6,742 |
| Premises and equipment expense | $202,000 | 7,386 |
| Additional noninterest expense | $457,000 | 8,259 |
| Pre-tax net operating income | $981,000 | 6,045 |
| Securities gains (losses) | $37,000 | 1,338 |
| Applicable income taxes | $189,000 | 7,532 |
| Income before extraordinary items | $829,000 | 5,222 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $829,000 | 5,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $799,030 | 5,437 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,674,000 | 7,308 |
| Total interest expense | $1,724,000 | 6,551 |
| Net interest income | $1,950,000 | 7,831 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $440,000 | 6,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $364,000 | 3,754 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $1,575,000 | 7,572 |
| Salaries and employee benefits | $933,000 | 6,530 |
| Premises and equipment expense | $187,000 | 7,960 |
| Additional noninterest expense | $455,000 | 8,674 |
| Pre-tax net operating income | $805,000 | 6,787 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $188,000 | 7,851 |
| Income before extraordinary items | $630,000 | 6,563 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $630,000 | 6,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $619,990 | 6,390 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,038,000 | 7,457 |
| Total interest expense | $2,027,000 | 7,058 |
| Net interest income | $2,011,000 | 7,724 |
| Provision for loan and lease losses | $20,000 | 10,574 |
| Total noninterest income | $447,000 | 6,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 4,066 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 7,728 |
| Total noninterest expense | $1,525,000 | 7,824 |
| Salaries and employee benefits | $901,000 | 6,617 |
| Premises and equipment expense | $186,000 | 8,166 |
| Additional noninterest expense | $438,000 | 9,115 |
| Pre-tax net operating income | $913,000 | 6,023 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $297,000 | 5,965 |
| Income before extraordinary items | $616,000 | 6,466 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $616,000 | 6,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $616,000 | 6,099 |
* 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.