Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,744,000 | 6,209 |
| Total interest expense | $2,462,000 | 5,637 |
| Net interest income | $2,282,000 | 6,722 |
| Provision for loan and lease losses | $556,000 | 1,450 |
| Total noninterest income | $455,000 | 5,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $337,000 | 3,715 |
| Total noninterest expense | $2,370,000 | 5,226 |
| Salaries and employee benefits | $1,074,000 | 5,708 |
| Premises and equipment expense | $159,000 | 8,051 |
| Additional noninterest expense | $1,137,000 | 3,924 |
| Pre-tax net operating income | $-189,000 | 11,665 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,000 | 11,074 |
| Income before extraordinary items | $-191,000 | 11,674 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-191,000 | 11,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $525,000 | 1,338 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-191,000 | 11,663 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,875,000 | 5,772 |
| Total interest expense | $2,352,000 | 4,889 |
| Net interest income | $2,523,000 | 6,439 |
| Provision for loan and lease losses | $790,000 | 1,108 |
| Total noninterest income | $170,000 | 9,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,618 |
| Total noninterest expense | $3,001,000 | 4,405 |
| Salaries and employee benefits | $1,060,000 | 5,800 |
| Premises and equipment expense | $238,000 | 6,721 |
| Additional noninterest expense | $1,703,000 | 2,964 |
| Pre-tax net operating income | $-1,098,000 | 12,470 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,000 | 11,553 |
| Income before extraordinary items | $-1,100,000 | 12,437 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,100,000 | 12,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $439,000 | 1,491 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-1,100,000 | 12,437 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,538,000 | 5,303 |
| Total interest expense | $2,715,000 | 4,495 |
| Net interest income | $2,823,000 | 5,937 |
| Provision for loan and lease losses | $1,047,000 | 1,258 |
| Total noninterest income | $304,000 | 7,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,629 |
| Total noninterest expense | $2,337,000 | 5,585 |
| Salaries and employee benefits | $879,000 | 6,841 |
| Premises and equipment expense | $371,000 | 5,005 |
| Additional noninterest expense | $1,087,000 | 4,587 |
| Pre-tax net operating income | $-257,000 | 12,735 |
| Securities gains (losses) | $63,000 | 3,105 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $-195,000 | 12,755 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-195,000 | 12,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $999,000 | 1,142 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-258,000 | 12,722 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,607,000 | 6,760 |
| Total interest expense | $2,356,000 | 6,274 |
| Net interest income | $2,251,000 | 7,120 |
| Provision for loan and lease losses | $386,000 | 3,537 |
| Total noninterest income | $253,000 | 8,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $1,889,000 | 6,685 |
| Salaries and employee benefits | $801,000 | 7,251 |
| Premises and equipment expense | $390,000 | 4,889 |
| Additional noninterest expense | $698,000 | 6,766 |
| Pre-tax net operating income | $229,000 | 10,801 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $73,000 | 10,632 |
| Income before extraordinary items | $156,000 | 11,195 |
| Extraordinary gains, net | $71,000 | 881 |
| Net income | $227,000 | 10,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 3,243 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $156,000 | 10,845 |
* 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.