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Heritage Bank, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$29,514,000	957
Total interest expense	$11,476,000	726
Net interest income	$18,038,000	1,112
Provision for loan and lease losses	$3,631,000	328
Total noninterest income	$4,710,000	1,137
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,227,000	1,429
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,483,000	881
Total noninterest expense	$19,909,000	805
Salaries and employee benefits	$9,661,000	890
Premises and equipment expense	$2,433,000	926
Additional noninterest expense	$7,815,000	673
Pre-tax net operating income	$-792,000	8,751
Securities gains (losses)	$597,000	407
Applicable income taxes	$-292,000	8,860
Income before extraordinary items	$97,000	8,109
Extraordinary gains, net	$0	34
Net income	$97,000	8,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,499,000	173
Cash dividends	$699,000	2,977
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-285,080	8,594
2004-09-30 (YTD Data)		Rank
Total interest income	$21,725,000	964
Total interest expense	$8,531,000	713
Net interest income	$13,194,000	1,128
Provision for loan and lease losses	$54,000	5,285
Total noninterest income	$3,353,000	1,193
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$947,000	1,408
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,406,000	944
Total noninterest expense	$13,241,000	918
Salaries and employee benefits	$6,997,000	917
Premises and equipment expense	$1,771,000	961
Additional noninterest expense	$4,473,000	834
Pre-tax net operating income	$3,252,000	1,931
Securities gains (losses)	$597,000	381
Applicable income taxes	$1,328,000	1,430
Income before extraordinary items	$2,521,000	1,890
Extraordinary gains, net	$0	26
Net income	$2,521,000	1,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,538,000	201
Cash dividends	$699,000	2,211
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,132,950	2,139
2004-06-30 (YTD Data)		Rank
Total interest income	$14,334,000	956
Total interest expense	$5,710,000	695
Net interest income	$8,624,000	1,143
Provision for loan and lease losses	$-760,000	9,043
Total noninterest income	$2,015,000	1,279
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$626,000	1,407
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,389,000	1,046
Total noninterest expense	$8,799,000	921
Salaries and employee benefits	$4,608,000	927
Premises and equipment expense	$1,167,000	981
Additional noninterest expense	$3,024,000	818
Pre-tax net operating income	$2,600,000	1,624
Securities gains (losses)	$594,000	319
Applicable income taxes	$1,109,000	1,179
Income before extraordinary items	$2,085,000	1,537
Extraordinary gains, net	$0	21
Net income	$2,085,000	1,538
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,361,000	235
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,698,900	1,798
2004-03-31 (YTD Data)		Rank
Total interest income	$7,030,000	986
Total interest expense	$2,864,000	707
Net interest income	$4,166,000	1,187
Provision for loan and lease losses	$-778,000	9,089
Total noninterest income	$824,000	1,458
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$300,000	1,423
Trading account gains and fees	$0	121
Additional Noninterest Income	$524,000	1,256
Total noninterest expense	$4,495,000	912
Salaries and employee benefits	$2,204,000	977
Premises and equipment expense	$587,000	994
Additional noninterest expense	$1,704,000	732
Pre-tax net operating income	$1,273,000	1,636
Securities gains (losses)	$0	2,934
Applicable income taxes	$438,000	1,444
Income before extraordinary items	$835,000	1,872
Extraordinary gains, net	$0	16
Net income	$835,000	1,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,102,000	254
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$835,000	1,787
2003-12-31 (YTD Data)		Rank
Total interest income	$32,376,000	869
Total interest expense	$14,066,000	630
Net interest income	$18,310,000	1,048
Provision for loan and lease losses	$-1,646,000	9,158
Total noninterest income	$1,956,000	2,357
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,137,000	1,510
Trading account gains and fees	$0	160
Additional Noninterest Income	$819,000	2,705
Total noninterest expense	$18,717,000	864
Salaries and employee benefits	$9,050,000	948
Premises and equipment expense	$2,366,000	959
Additional noninterest expense	$7,301,000	720
Pre-tax net operating income	$3,195,000	2,385
Securities gains (losses)	$206,000	1,325
Applicable income taxes	$1,274,000	1,851
Income before extraordinary items	$2,127,000	2,733
Extraordinary gains, net	$0	54
Net income	$2,127,000	2,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,783,000	171
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,995,160	2,747
2003-09-30 (YTD Data)		Rank
Total interest income	$25,247,000	856
Total interest expense	$11,062,000	631
Net interest income	$14,185,000	1,039
Provision for loan and lease losses	$-565,000	9,200
Total noninterest income	$1,589,000	2,265
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$822,000	1,578
Trading account gains and fees	$0	153
Additional Noninterest Income	$767,000	2,432
Total noninterest expense	$13,355,000	924
Salaries and employee benefits	$6,896,000	946
Premises and equipment expense	$1,335,000	1,282
Additional noninterest expense	$5,124,000	763
Pre-tax net operating income	$2,984,000	2,059
Securities gains (losses)	$206,000	1,212
Applicable income taxes	$1,199,000	1,613
Income before extraordinary items	$1,991,000	2,348
Extraordinary gains, net	$0	40
Net income	$1,991,000	2,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,172,000	178
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,859,160	2,355
2003-06-30 (YTD Data)		Rank
Total interest income	$17,263,000	847
Total interest expense	$7,860,000	623
Net interest income	$9,403,000	1,035
Provision for loan and lease losses	$-516,000	9,241
Total noninterest income	$1,146,000	2,129
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$515,000	1,639
Trading account gains and fees	$0	150
Additional Noninterest Income	$631,000	2,125
Total noninterest expense	$8,762,000	932
Salaries and employee benefits	$4,353,000	994
Premises and equipment expense	$879,000	1,306
Additional noninterest expense	$3,530,000	738
Pre-tax net operating income	$2,303,000	1,808
Securities gains (losses)	$185,000	1,094
Applicable income taxes	$936,000	1,440
Income before extraordinary items	$1,552,000	2,047
Extraordinary gains, net	$0	30
Net income	$1,552,000	2,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,286,000	208
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,433,600	2,073
2003-03-31 (YTD Data)		Rank
Total interest income	$9,039,000	821
Total interest expense	$4,183,000	600
Net interest income	$4,856,000	996
Provision for loan and lease losses	$100,000	2,353
Total noninterest income	$372,000	2,797
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$229,000	1,791
Trading account gains and fees	$0	134
Additional Noninterest Income	$143,000	3,308
Total noninterest expense	$4,141,000	979
Salaries and employee benefits	$1,996,000	1,061
Premises and equipment expense	$448,000	1,289
Additional noninterest expense	$1,697,000	746
Pre-tax net operating income	$987,000	2,073
Securities gains (losses)	$222,000	620
Applicable income taxes	$453,000	1,488
Income before extraordinary items	$756,000	2,071
Extraordinary gains, net	$0	21
Net income	$756,000	2,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,210,000	201
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$613,920	2,351
2002-12-31 (YTD Data)		Rank
Total interest income	$41,939,000	725
Total interest expense	$20,654,000	567
Net interest income	$21,285,000	911
Provision for loan and lease losses	$29,469,000	134
Total noninterest income	$2,043,000	2,089
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,018,000	1,587
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,025,000	2,139
Total noninterest expense	$12,665,000	1,205
Salaries and employee benefits	$6,268,000	1,302
Premises and equipment expense	$1,422,000	1,563
Additional noninterest expense	$4,975,000	997
Pre-tax net operating income	$-18,806,000	9,344
Securities gains (losses)	$233,000	1,073
Applicable income taxes	$-6,607,000	9,338
Income before extraordinary items	$-11,966,000	9,339
Extraordinary gains, net	$0	70
Net income	$-11,966,000	9,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,552,000	235
Cash dividends	$720,000	2,833
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-12,115,120	9,331
2001-12-31 (YTD Data)		Rank
Total interest income	$44,253,000	769
Total interest expense	$27,706,000	601
Net interest income	$16,547,000	1,078
Provision for loan and lease losses	$3,602,000	455
Total noninterest income	$1,534,000	2,470
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$867,000	1,755
Trading account gains and fees	$0	177
Additional Noninterest Income	$667,000	2,648
Total noninterest expense	$9,387,000	1,562
Salaries and employee benefits	$5,066,000	1,498
Premises and equipment expense	$1,017,000	2,098
Additional noninterest expense	$3,304,000	1,419
Pre-tax net operating income	$5,092,000	1,407
Securities gains (losses)	$24,000	3,012
Applicable income taxes	$1,808,000	1,280
Income before extraordinary items	$3,308,000	1,604
Extraordinary gains, net	$0	105
Net income	$3,308,000	1,604
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,593,000	472
Cash dividends	$2,115,000	1,259
Sale, conversion, retirement of capital stock, net	$10,000	848
Net operating income	$3,292,400	1,543
2000-12-31 (YTD Data)		Rank
Total interest income	$35,660,000	991
Total interest expense	$22,013,000	828
Net interest income	$13,647,000	1,286
Provision for loan and lease losses	$3,389,000	421
Total noninterest income	$1,039,000	3,049
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$745,000	1,864
Trading account gains and fees	$0	180
Additional Noninterest Income	$294,000	3,971
Total noninterest expense	$8,035,000	1,738
Salaries and employee benefits	$4,551,000	1,559
Premises and equipment expense	$788,000	2,612
Additional noninterest expense	$2,696,000	1,649
Pre-tax net operating income	$3,262,000	2,206
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,024,000	2,082
Income before extraordinary items	$2,238,000	2,301
Extraordinary gains, net	$0	38
Net income	$2,238,000	2,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,360,000	608
Cash dividends	$25,000	6,623
Sale, conversion, retirement of capital stock, net	$8,596,000	86
Net operating income	$2,238,000	2,311
1999-12-31 (YTD Data)		Rank
Total interest income	$17,249,000	1,885
Total interest expense	$9,874,000	1,520
Net interest income	$7,375,000	2,396
Provision for loan and lease losses	$1,808,000	611
Total noninterest income	$640,000	4,238
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$503,000	2,624
Trading account gains and fees	$0	173
Additional Noninterest Income	$137,000	5,812
Total noninterest expense	$4,952,000	2,727
Salaries and employee benefits	$2,795,000	2,511
Premises and equipment expense	$534,000	3,569
Additional noninterest expense	$1,623,000	2,657
Pre-tax net operating income	$1,255,000	4,636
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$395,000	4,207
Income before extraordinary items	$861,000	4,866
Extraordinary gains, net	$0	35
Net income	$861,000	4,866
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,604
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$3,917,000	313
Net operating income	$860,310	4,826
1998-12-31 (YTD Data)		Rank
Total interest income	$9,383,000	3,424
Total interest expense	$5,400,000	2,788
Net interest income	$3,983,000	4,127
Provision for loan and lease losses	$828,000	1,146
Total noninterest income	$373,000	5,829
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$288,000	4,046
Trading account gains and fees	NA	NA
Additional Noninterest Income	$85,000	7,031
Total noninterest expense	$2,937,000	4,193
Salaries and employee benefits	$1,662,000	3,915
Premises and equipment expense	$261,000	5,819
Additional noninterest expense	$1,014,000	3,908
Pre-tax net operating income	$591,000	6,969
Securities gains (losses)	$24,000	2,292
Applicable income taxes	$197,000	6,233
Income before extraordinary items	$418,000	7,102
Extraordinary gains, net	$0	32
Net income	$418,000	7,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	3,256
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$7,164,000	165
Net operating income	$401,680	7,120
1997-12-31 (YTD Data)		Rank
Total interest income	$4,916,000	5,868
Total interest expense	$2,863,000	4,909
Net interest income	$2,053,000	6,808
Provision for loan and lease losses	$337,000	2,394
Total noninterest income	$181,000	8,108
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$138,000	6,394
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,733
Total noninterest expense	$1,442,000	6,935
Salaries and employee benefits	$805,000	6,757
Premises and equipment expense	$158,000	7,632
Additional noninterest expense	$479,000	6,685
Pre-tax net operating income	$455,000	8,160
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$163,000	7,419
Income before extraordinary items	$293,000	8,430
Extraordinary gains, net	$0	44
Net income	$293,000	8,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,728
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$5,013,000	199
Net operating income	$292,360	8,392
1996-12-31 (YTD Data)		Rank
Total interest income	$2,732,000	8,368
Total interest expense	$1,646,000	7,224
Net interest income	$1,086,000	9,319
Provision for loan and lease losses	$213,000	3,278
Total noninterest income	$62,000	10,646
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	8,902
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	10,772
Total noninterest expense	$1,111,000	8,294
Salaries and employee benefits	$642,000	7,887
Premises and equipment expense	$131,000	8,508
Additional noninterest expense	$338,000	8,480
Pre-tax net operating income	$-176,000	11,046
Securities gains (losses)	$0	4,148
Applicable income taxes	$-97,000	11,168
Income before extraordinary items	$-79,000	10,968
Extraordinary gains, net	$0	53
Net income	$-79,000	10,966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$56,000	707
Net operating income	$-79,000	10,921
1995-12-31 (YTD Data)		Rank
Total interest income	$792,000	11,531
Total interest expense	$392,000	11,353
Net interest income	$400,000	11,610
Provision for loan and lease losses	$156,000	3,557
Total noninterest income	$8,000	11,878
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	10,263
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	11,796
Total noninterest expense	$724,000	10,090
Salaries and employee benefits	$441,000	9,612
Premises and equipment expense	$283,000	5,881
Additional noninterest expense	$0	11,968
Pre-tax net operating income	$-472,000	11,783
Securities gains (losses)	$0	3,831
Applicable income taxes	$-162,000	11,773
Income before extraordinary items	$-310,000	11,740
Extraordinary gains, net	$0	65
Net income	$-310,000	11,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$5,486,000	87
Net operating income	$-310,000	11,726

* 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.