Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,290,000 | 2,463 |
| Total interest expense | $4,688,000 | 3,106 |
| Net interest income | $8,602,000 | 2,053 |
| Provision for loan and lease losses | $475,000 | 1,844 |
| Total noninterest income | $2,553,000 | 1,541 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,928,000 | 689 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $625,000 | 2,561 |
| Total noninterest expense | $8,172,000 | 1,685 |
| Salaries and employee benefits | $4,558,000 | 1,530 |
| Premises and equipment expense | $1,151,000 | 1,776 |
| Additional noninterest expense | $2,463,000 | 1,797 |
| Pre-tax net operating income | $2,508,000 | 2,787 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $2,508,000 | 2,099 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,508,000 | 2,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,395 |
| Cash dividends | $2,842,000 | 1,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,508,000 | 2,070 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,569,000 | 4,634 |
| Total interest expense | $2,723,000 | 5,068 |
| Net interest income | $3,846,000 | 4,257 |
| Provision for loan and lease losses | $350,000 | 2,310 |
| Total noninterest income | $954,000 | 3,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $879,000 | 1,420 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,329 |
| Total noninterest expense | $2,808,000 | 4,370 |
| Salaries and employee benefits | $1,360,000 | 4,596 |
| Premises and equipment expense | $426,000 | 4,209 |
| Additional noninterest expense | $1,022,000 | 3,887 |
| Pre-tax net operating income | $1,642,000 | 3,913 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,642,000 | 3,022 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,642,000 | 3,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,330 |
| Cash dividends | $177,000 | 5,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,642,000 | 2,935 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,382,000 | 5,497 |
| Total interest expense | $2,019,000 | 6,230 |
| Net interest income | $3,363,000 | 4,868 |
| Provision for loan and lease losses | $275,000 | 2,782 |
| Total noninterest income | $839,000 | 3,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $775,000 | 1,672 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,887 |
| Total noninterest expense | $2,416,000 | 4,922 |
| Salaries and employee benefits | $1,229,000 | 4,991 |
| Premises and equipment expense | $337,000 | 5,047 |
| Additional noninterest expense | $850,000 | 4,515 |
| Pre-tax net operating income | $1,511,000 | 4,477 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-21,000 | 10,554 |
| Income before extraordinary items | $1,532,000 | 3,306 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,532,000 | 3,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,593 |
| Cash dividends | $895,000 | 2,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,532,000 | 3,226 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,404,000 | 8,814 |
| Total interest expense | $868,000 | 9,419 |
| Net interest income | $1,536,000 | 8,176 |
| Provision for loan and lease losses | $115,000 | 4,800 |
| Total noninterest income | $378,000 | 6,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,012 |
| Total noninterest expense | $1,130,000 | 8,229 |
| Salaries and employee benefits | $578,000 | 8,273 |
| Premises and equipment expense | $149,000 | 8,083 |
| Additional noninterest expense | $403,000 | 7,852 |
| Pre-tax net operating income | $669,000 | 7,073 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $279,000 | 6,074 |
| Income before extraordinary items | $390,000 | 7,704 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $390,000 | 7,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,113 |
| Cash dividends | $919,000 | 2,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $390,000 | 7,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,164,000 | 6,830 |
| Total interest expense | $1,507,000 | 7,684 |
| Net interest income | $2,657,000 | 6,030 |
| Provision for loan and lease losses | $267,000 | 2,452 |
| Total noninterest income | $666,000 | 4,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,236 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,849 |
| Total noninterest expense | $1,891,000 | 6,251 |
| Salaries and employee benefits | $838,000 | 6,903 |
| Premises and equipment expense | $263,000 | 6,155 |
| Additional noninterest expense | $790,000 | 5,302 |
| Pre-tax net operating income | $1,165,000 | 5,366 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $344,000 | 5,517 |
| Income before extraordinary items | $821,000 | 5,348 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $821,000 | 5,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,939 |
| Cash dividends | $298,000 | 4,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $821,000 | 5,321 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,974,000 | 8,098 |
| Total interest expense | $874,000 | 9,244 |
| Net interest income | $2,100,000 | 7,323 |
| Provision for loan and lease losses | $104,000 | 4,473 |
| Total noninterest income | $511,000 | 5,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $462,000 | 2,990 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 9,662 |
| Total noninterest expense | $1,839,000 | 6,593 |
| Salaries and employee benefits | $755,000 | 7,486 |
| Premises and equipment expense | $267,000 | 6,229 |
| Additional noninterest expense | $817,000 | 5,603 |
| Pre-tax net operating income | $668,000 | 7,603 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $216,000 | 7,080 |
| Income before extraordinary items | $452,000 | 7,685 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $452,000 | 7,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,376 |
| Cash dividends | $54,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $452,000 | 7,733 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 9,570 |
| Total interest expense | $723,000 | 10,453 |
| Net interest income | $1,580,000 | 8,868 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $470,000 | 5,829 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $417,000 | 3,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,919 |
| Total noninterest expense | $1,546,000 | 7,670 |
| Salaries and employee benefits | $671,000 | 8,212 |
| Premises and equipment expense | $196,000 | 7,757 |
| Additional noninterest expense | $679,000 | 6,714 |
| Pre-tax net operating income | $414,000 | 9,300 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $100,000 | 9,745 |
| Income before extraordinary items | $314,000 | 9,317 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $314,000 | 9,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,809 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $314,000 | 9,062 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 10,168 |
| Total interest expense | $988,000 | 10,445 |
| Net interest income | $1,374,000 | 9,721 |
| Provision for loan and lease losses | $122,000 | 6,674 |
| Total noninterest income | $419,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $394,000 | 3,541 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $1,427,000 | 8,184 |
| Salaries and employee benefits | $652,000 | 8,375 |
| Premises and equipment expense | $171,000 | 8,542 |
| Additional noninterest expense | $604,000 | 7,475 |
| Pre-tax net operating income | $244,000 | 10,666 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $79,000 | 10,473 |
| Income before extraordinary items | $165,000 | 11,060 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $165,000 | 11,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 5,195 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $165,000 | 10,727 |
* 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.