Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,303,000 | 1,681 |
| Total interest expense | $8,202,000 | 1,813 |
| Net interest income | $11,101,000 | 1,561 |
| Provision for loan and lease losses | $1,788,000 | 621 |
| Total noninterest income | $3,828,000 | 1,125 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,559,000 | 848 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,269,000 | 1,047 |
| Total noninterest expense | $8,632,000 | 1,590 |
| Salaries and employee benefits | $4,571,000 | 1,526 |
| Premises and equipment expense | $1,834,000 | 1,094 |
| Additional noninterest expense | $2,227,000 | 1,960 |
| Pre-tax net operating income | $4,509,000 | 1,670 |
| Securities gains (losses) | $31,000 | 1,173 |
| Applicable income taxes | $1,572,000 | 1,531 |
| Income before extraordinary items | $2,968,000 | 1,792 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,968,000 | 1,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,550,000 | 526 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,947,850 | 1,771 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,014,000 | 1,898 |
| Total interest expense | $7,411,000 | 2,051 |
| Net interest income | $9,603,000 | 1,777 |
| Provision for loan and lease losses | $1,325,000 | 767 |
| Total noninterest income | $4,032,000 | 1,080 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,389,000 | 889 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,643,000 | 980 |
| Total noninterest expense | $7,859,000 | 1,674 |
| Salaries and employee benefits | $4,143,000 | 1,607 |
| Premises and equipment expense | $1,416,000 | 1,379 |
| Additional noninterest expense | $2,300,000 | 1,836 |
| Pre-tax net operating income | $4,451,000 | 1,656 |
| Securities gains (losses) | $25,000 | 2,265 |
| Applicable income taxes | $1,624,000 | 1,511 |
| Income before extraordinary items | $2,852,000 | 1,843 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,852,000 | 1,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $624,000 | 1,056 |
| Cash dividends | $650,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,836,000 | 1,778 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,756,000 | 2,375 |
| Total interest expense | $5,922,000 | 2,518 |
| Net interest income | $7,834,000 | 2,242 |
| Provision for loan and lease losses | $676,000 | 1,363 |
| Total noninterest income | $3,503,000 | 1,172 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,555,000 | 819 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,948,000 | 1,121 |
| Total noninterest expense | $7,028,000 | 1,842 |
| Salaries and employee benefits | $3,564,000 | 1,839 |
| Premises and equipment expense | $1,265,000 | 1,537 |
| Additional noninterest expense | $2,199,000 | 1,932 |
| Pre-tax net operating income | $3,633,000 | 2,070 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $1,325,000 | 1,908 |
| Income before extraordinary items | $2,306,000 | 2,279 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,306,000 | 2,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 1,914 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,307,280 | 2,222 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,920,000 | 3,010 |
| Total interest expense | $4,630,000 | 3,234 |
| Net interest income | $6,290,000 | 2,809 |
| Provision for loan and lease losses | $485,000 | 1,774 |
| Total noninterest income | $3,284,000 | 1,269 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,383,000 | 960 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,901,000 | 1,193 |
| Total noninterest expense | $5,850,000 | 2,356 |
| Salaries and employee benefits | $3,081,000 | 2,169 |
| Premises and equipment expense | $905,000 | 2,197 |
| Additional noninterest expense | $1,864,000 | 2,615 |
| Pre-tax net operating income | $3,239,000 | 2,211 |
| Securities gains (losses) | $77,000 | 1,085 |
| Applicable income taxes | $1,215,000 | 1,976 |
| Income before extraordinary items | $2,101,000 | 2,344 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,101,000 | 2,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,615 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,051,720 | 2,356 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,883,000 | 3,654 |
| Total interest expense | $3,740,000 | 3,910 |
| Net interest income | $5,143,000 | 3,445 |
| Provision for loan and lease losses | $374,000 | 1,959 |
| Total noninterest income | $2,440,000 | 1,574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,323,000 | 1,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,117,000 | 1,669 |
| Total noninterest expense | $4,587,000 | 2,933 |
| Salaries and employee benefits | $2,154,000 | 3,088 |
| Premises and equipment expense | $784,000 | 2,526 |
| Additional noninterest expense | $1,649,000 | 2,817 |
| Pre-tax net operating income | $2,622,000 | 2,713 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $940,000 | 2,512 |
| Income before extraordinary items | $1,684,000 | 2,923 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,684,000 | 2,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,217 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,682,720 | 2,885 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,673,000 | 4,418 |
| Total interest expense | $2,534,000 | 4,589 |
| Net interest income | $4,139,000 | 4,246 |
| Provision for loan and lease losses | $307,000 | 2,204 |
| Total noninterest income | $2,143,000 | 1,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,138,000 | 1,161 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,005,000 | 1,828 |
| Total noninterest expense | $4,117,000 | 3,332 |
| Salaries and employee benefits | $1,964,000 | 3,343 |
| Premises and equipment expense | $666,000 | 2,957 |
| Additional noninterest expense | $1,487,000 | 3,322 |
| Pre-tax net operating income | $1,858,000 | 3,643 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $651,000 | 3,279 |
| Income before extraordinary items | $1,210,000 | 3,823 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,210,000 | 3,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,182 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,208,050 | 3,860 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,449,000 | 5,377 |
| Total interest expense | $2,169,000 | 5,441 |
| Net interest income | $3,280,000 | 5,237 |
| Provision for loan and lease losses | $284,000 | 3,132 |
| Total noninterest income | $1,595,000 | 2,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $660,000 | 2,064 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $935,000 | 2,127 |
| Total noninterest expense | $3,059,000 | 4,430 |
| Salaries and employee benefits | $1,565,000 | 4,120 |
| Premises and equipment expense | $385,000 | 4,866 |
| Additional noninterest expense | $1,109,000 | 4,502 |
| Pre-tax net operating income | $1,532,000 | 4,237 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $525,000 | 4,003 |
| Income before extraordinary items | $1,025,000 | 4,607 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,025,000 | 4,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 3,518 |
| Cash dividends | $149,000 | 6,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,013,120 | 4,418 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,505,000 | 6,891 |
| Total interest expense | $1,989,000 | 7,136 |
| Net interest income | $2,516,000 | 6,558 |
| Provision for loan and lease losses | $351,000 | 3,769 |
| Total noninterest income | $918,000 | 3,563 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,311 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $498,000 | 3,200 |
| Total noninterest expense | $2,161,000 | 6,009 |
| Salaries and employee benefits | $1,111,000 | 5,541 |
| Premises and equipment expense | $284,000 | 6,214 |
| Additional noninterest expense | $766,000 | 6,306 |
| Pre-tax net operating income | $922,000 | 5,985 |
| Securities gains (losses) | $83,000 | 3,314 |
| Applicable income taxes | $352,000 | 5,327 |
| Income before extraordinary items | $653,000 | 6,212 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $653,000 | 6,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $124,000 | 6,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $599,050 | 6,220 |
* 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.