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Heritage Bank, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$28,482,0001,243
Total interest expense$16,171,0001,082
Net interest income$12,311,0001,428
Provision for loan and lease losses$08,337
Total noninterest income$2,388,0001,650
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$2,053,000656
Trading account gains and fees$0180
Additional Noninterest Income$335,0003,700
Total noninterest expense$10,655,0001,299
Salaries and employee benefits$5,747,0001,239
Premises and equipment expense$1,978,0001,010
Additional noninterest expense$2,930,0001,526
Pre-tax net operating income$4,044,0001,805
Securities gains (losses)$01,956
Applicable income taxes$1,377,0001,621
Income before extraordinary items$2,667,0001,958
Extraordinary gains, net$038
Net income$2,667,0001,958
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-146,0009,796
Cash dividends$900,0002,460
Sale, conversion, retirement of capital stock, net$-153,0009,789
Net operating income$2,667,0001,960
1999-12-31 (YTD Data)Rank
Total interest income$25,054,0001,295
Total interest expense$13,159,0001,155
Net interest income$11,895,0001,482
Provision for loan and lease losses$140,0004,418
Total noninterest income$2,580,0001,522
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,952,000677
Trading account gains and fees$0173
Additional Noninterest Income$628,0002,551
Total noninterest expense$9,206,0001,512
Salaries and employee benefits$4,955,0001,394
Premises and equipment expense$1,624,0001,248
Additional noninterest expense$2,627,0001,696
Pre-tax net operating income$5,129,0001,473
Securities gains (losses)$19,0001,429
Applicable income taxes$1,755,0001,389
Income before extraordinary items$3,393,0001,573
Extraordinary gains, net$035
Net income$3,393,0001,574
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-306,00010,162
Cash dividends$900,0002,448
Sale, conversion, retirement of capital stock, net$5,000998
Net operating income$3,380,4601,551
1998-12-31 (YTD Data)Rank
Total interest income$22,622,0001,425
Total interest expense$11,799,0001,317
Net interest income$10,823,0001,561
Provision for loan and lease losses$25,0007,503
Total noninterest income$2,226,0001,681
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,847,000667
Trading account gains and fees$0224
Additional Noninterest Income$379,0003,545
Total noninterest expense$8,492,0001,563
Salaries and employee benefits$4,558,0001,436
Premises and equipment expense$1,477,0001,312
Additional noninterest expense$2,457,0001,735
Pre-tax net operating income$4,532,0001,633
Securities gains (losses)$26,0002,229
Applicable income taxes$1,551,0001,574
Income before extraordinary items$3,007,0001,746
Extraordinary gains, net$032
Net income$3,007,0001,746
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-256,00010,374
Cash dividends$1,575,0001,590
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,989,8401,684
1997-12-31 (YTD Data)Rank
Total interest income$19,249,0001,717
Total interest expense$9,377,0001,650
Net interest income$9,872,0001,766
Provision for loan and lease losses$530,0001,698
Total noninterest income$2,435,0001,507
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$2,001,000639
Trading account gains and fees$0239
Additional Noninterest Income$434,0003,116
Total noninterest expense$7,736,0001,688
Salaries and employee benefits$4,096,0001,594
Premises and equipment expense$1,347,0001,452
Additional noninterest expense$2,293,0001,852
Pre-tax net operating income$4,041,0001,872
Securities gains (losses)$30,0001,635
Applicable income taxes$1,260,0001,983
Income before extraordinary items$2,811,0001,873
Extraordinary gains, net$044
Net income$2,811,0001,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,314
Cash dividends$1,800,0001,406
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,790,3001,837
1996-12-31 (YTD Data)Rank
Total interest income$17,075,0001,977
Total interest expense$7,967,0001,970
Net interest income$9,108,0001,977
Provision for loan and lease losses$-100,00011,258
Total noninterest income$2,316,0001,635
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,836,000724
Trading account gains and fees$0262
Additional Noninterest Income$480,0003,011
Total noninterest expense$7,444,0001,899
Salaries and employee benefits$3,805,0001,741
Premises and equipment expense$1,258,0001,625
Additional noninterest expense$2,381,0002,094
Pre-tax net operating income$4,080,0001,763
Securities gains (losses)$04,148
Applicable income taxes$1,393,0001,718
Income before extraordinary items$2,687,0001,836
Extraordinary gains, net$053
Net income$2,687,0001,837
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,441
Cash dividends$1,800,0001,377
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,687,0001,802
1995-12-31 (YTD Data)Rank
Total interest income$15,637,0002,158
Total interest expense$6,612,0002,346
Net interest income$9,025,0001,990
Provision for loan and lease losses$-123,00011,753
Total noninterest income$2,117,0001,747
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,714,000778
Trading account gains and fees$0522
Additional Noninterest Income$403,0003,303
Total noninterest expense$7,221,0001,923
Salaries and employee benefits$3,466,0001,912
Premises and equipment expense$1,261,0001,607
Additional noninterest expense$2,494,0002,003
Pre-tax net operating income$4,044,0001,833
Securities gains (losses)$213,000650
Applicable income taxes$1,456,0001,684
Income before extraordinary items$2,801,0001,805
Extraordinary gains, net$065
Net income$2,801,0001,804
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-154,00011,820
Cash dividends$1,200,0001,763
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,660,4201,866
1994-12-31 (YTD Data)Rank
Total interest income$10,603,0002,861
Total interest expense$3,879,0003,142
Net interest income$6,724,0002,699
Provision for loan and lease losses$-520,00012,475
Total noninterest income$1,908,0001,897
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,502,000860
Trading account gains and fees$0475
Additional Noninterest Income$406,0003,372
Total noninterest expense$6,107,0002,304
Salaries and employee benefits$2,903,0002,307
Premises and equipment expense$1,087,0001,879
Additional noninterest expense$2,117,0002,465
Pre-tax net operating income$3,045,0002,339
Securities gains (losses)$-82,00011,402
Applicable income taxes$1,007,0002,227
Income before extraordinary items$1,956,0002,482
Extraordinary gains, net$0249
Net income$1,956,0002,482
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-364,00012,502
Cash dividends$450,0003,436
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,010,1202,432
1993-12-31 (YTD Data)Rank
Total interest income$10,053,0003,071
Total interest expense$3,437,0003,655
Net interest income$6,616,0002,729
Provision for loan and lease losses$-250,00013,077
Total noninterest income$1,952,0002,014
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,340,000986
Trading account gains and fees$0532
Additional Noninterest Income$612,0002,854
Total noninterest expense$6,101,0002,350
Salaries and employee benefits$2,770,0002,402
Premises and equipment expense$906,0002,262
Additional noninterest expense$2,425,0002,304
Pre-tax net operating income$2,717,0002,519
Securities gains (losses)$-16,00012,875
Applicable income taxes$570,0003,752
Income before extraordinary items$2,131,0002,347
Extraordinary gains, net$03,149
Net income$2,131,0002,437
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-340,00013,190
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,143,6402,194
1992-12-31 (YTD Data)Rank
Total interest income$11,730,0002,993
Total interest expense$4,406,0003,719
Net interest income$7,324,0002,483
Provision for loan and lease losses$143,0006,243
Total noninterest income$1,551,0002,334
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,220,0001,073
Trading account gains and fees$0504
Additional Noninterest Income$331,0004,164
Total noninterest expense$6,164,0002,357
Salaries and employee benefits$2,621,0002,464
Premises and equipment expense$806,0002,577
Additional noninterest expense$2,737,0002,154
Pre-tax net operating income$2,568,0002,413
Securities gains (losses)$-336,00013,883
Applicable income taxes$482,0004,109
Income before extraordinary items$1,750,0002,633
Extraordinary gains, net$824,000138
Net income$2,574,0001,789
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$583,0002,209
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,012,0802,106

* 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.