Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,029,000 | 4,936 |
| Total interest expense | $1,497,000 | 6,989 |
| Net interest income | $4,532,000 | 3,760 |
| Provision for loan and lease losses | $305,000 | 2,603 |
| Total noninterest income | $1,500,000 | 2,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $433,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,067,000 | 1,780 |
| Total noninterest expense | $4,882,000 | 2,769 |
| Salaries and employee benefits | $3,040,000 | 2,308 |
| Premises and equipment expense | $569,000 | 3,411 |
| Additional noninterest expense | $1,273,000 | 3,267 |
| Pre-tax net operating income | $845,000 | 5,772 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $351,000 | 4,459 |
| Income before extraordinary items | $494,000 | 6,479 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $494,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,123 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $494,000 | 6,460 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,496,000 | 5,304 |
| Total interest expense | $1,287,000 | 7,707 |
| Net interest income | $4,209,000 | 3,957 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $1,811,000 | 1,973 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $375,000 | 3,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,436,000 | 1,442 |
| Total noninterest expense | $5,048,000 | 2,589 |
| Salaries and employee benefits | $3,211,000 | 2,110 |
| Premises and equipment expense | $572,000 | 3,311 |
| Additional noninterest expense | $1,265,000 | 3,225 |
| Pre-tax net operating income | $842,000 | 5,923 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $365,000 | 4,668 |
| Income before extraordinary items | $477,000 | 6,746 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $477,000 | 6,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $477,000 | 6,641 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,592,000 | 6,137 |
| Total interest expense | $940,000 | 8,852 |
| Net interest income | $3,652,000 | 4,574 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $1,422,000 | 2,294 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,126,000 | 1,625 |
| Total noninterest expense | $4,231,000 | 3,014 |
| Salaries and employee benefits | $2,566,000 | 2,579 |
| Premises and equipment expense | $492,000 | 3,759 |
| Additional noninterest expense | $1,173,000 | 3,420 |
| Pre-tax net operating income | $793,000 | 6,571 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $346,000 | 5,349 |
| Income before extraordinary items | $447,000 | 7,332 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $447,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $447,000 | 7,281 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,021,000 | 6,854 |
| Total interest expense | $803,000 | 9,635 |
| Net interest income | $3,218,000 | 5,173 |
| Provision for loan and lease losses | $119,000 | 4,742 |
| Total noninterest income | $1,157,000 | 2,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $885,000 | 1,971 |
| Total noninterest expense | $3,742,000 | 3,547 |
| Salaries and employee benefits | $2,217,000 | 3,011 |
| Premises and equipment expense | $450,000 | 4,111 |
| Additional noninterest expense | $1,075,000 | 4,151 |
| Pre-tax net operating income | $514,000 | 7,859 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $242,000 | 6,559 |
| Income before extraordinary items | $272,000 | 8,653 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $272,000 | 8,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,232 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $272,000 | 8,581 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,652,000 | 7,368 |
| Total interest expense | $581,000 | 10,738 |
| Net interest income | $3,071,000 | 5,399 |
| Provision for loan and lease losses | $317,000 | 2,205 |
| Total noninterest income | $968,000 | 3,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $812,000 | 2,079 |
| Total noninterest expense | $3,202,000 | 4,059 |
| Salaries and employee benefits | $1,906,000 | 3,453 |
| Premises and equipment expense | $389,000 | 4,649 |
| Additional noninterest expense | $907,000 | 4,741 |
| Pre-tax net operating income | $520,000 | 8,328 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $384,000 | 5,087 |
| Income before extraordinary items | $136,000 | 10,600 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $136,000 | 10,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 1,829 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $136,000 | 10,565 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,548,000 | 8,829 |
| Total interest expense | $447,000 | 11,354 |
| Net interest income | $2,101,000 | 7,319 |
| Provision for loan and lease losses | $61,000 | 5,573 |
| Total noninterest income | $632,000 | 4,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $513,000 | 2,913 |
| Total noninterest expense | $2,516,000 | 5,128 |
| Salaries and employee benefits | $1,468,000 | 4,356 |
| Premises and equipment expense | $290,000 | 5,863 |
| Additional noninterest expense | $758,000 | 5,950 |
| Pre-tax net operating income | $156,000 | 11,225 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $36,000 | 10,781 |
| Income before extraordinary items | $120,000 | 11,162 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $120,000 | 11,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 11,664 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $120,000 | 11,206 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,390,000 | 11,472 |
| Total interest expense | $293,000 | 12,706 |
| Net interest income | $1,097,000 | 10,425 |
| Provision for loan and lease losses | $7,000 | 9,969 |
| Total noninterest income | $469,000 | 5,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $378,000 | 3,902 |
| Total noninterest expense | $1,533,000 | 7,721 |
| Salaries and employee benefits | $765,000 | 7,537 |
| Premises and equipment expense | $200,000 | 7,681 |
| Additional noninterest expense | $568,000 | 7,614 |
| Pre-tax net operating income | $26,000 | 12,286 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $10,000 | 11,823 |
| Income before extraordinary items | $16,000 | 12,443 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $16,000 | 12,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 4,326 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $16,000 | 12,308 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,157,000 | 12,696 |
| Total interest expense | $369,000 | 13,305 |
| Net interest income | $788,000 | 11,960 |
| Provision for loan and lease losses | $85,000 | 7,723 |
| Total noninterest income | $95,000 | 11,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 9,060 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $1,291,000 | 8,692 |
| Salaries and employee benefits | $433,000 | 10,482 |
| Premises and equipment expense | $153,000 | 9,020 |
| Additional noninterest expense | $705,000 | 6,713 |
| Pre-tax net operating income | $-493,000 | 13,289 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-94,000 | 13,576 |
| Income before extraordinary items | $-399,000 | 13,324 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-399,000 | 13,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-399,000 | 13,219 |
* 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.