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Heritage Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,783,000 | 4,693 |
| Total interest expense | $2,906,000 | 4,904 |
| Net interest income | $3,877,000 | 4,430 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $303,000 | 7,047 |
| Gross Fiduciary activities income | $75,000 | 1,217 |
| Service charges on deposit accounts | $107,000 | 7,617 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $121,000 | 6,633 |
| Total noninterest expense | $3,050,000 | 4,230 |
| Salaries and employee benefits | $1,021,000 | 5,956 |
| Premises and equipment expense | $324,000 | 5,312 |
| Additional noninterest expense | $1,705,000 | 2,745 |
| Pre-tax net operating income | $1,130,000 | 5,489 |
| Securities gains (losses) | $45,000 | 1,385 |
| Applicable income taxes | $526,000 | 4,034 |
| Income before extraordinary items | $649,000 | 6,322 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $649,000 | 6,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,028 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $620,200 | 6,483 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,655,000 | 6,000 |
| Total interest expense | $1,654,000 | 6,462 |
| Net interest income | $3,001,000 | 5,612 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $206,000 | 8,632 |
| Gross Fiduciary activities income | $48,000 | 1,311 |
| Service charges on deposit accounts | $73,000 | 8,896 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $2,388,000 | 5,369 |
| Salaries and employee benefits | $707,000 | 7,816 |
| Premises and equipment expense | $203,000 | 7,369 |
| Additional noninterest expense | $1,478,000 | 3,346 |
| Pre-tax net operating income | $819,000 | 6,780 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $377,000 | 4,980 |
| Income before extraordinary items | $447,000 | 7,749 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $447,000 | 7,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,558 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $443,800 | 7,819 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,312,000 | 4,147 |
| Total interest expense | $2,526,000 | 4,763 |
| Net interest income | $4,786,000 | 3,713 |
| Provision for loan and lease losses | $228,000 | 3,632 |
| Total noninterest income | $315,000 | 7,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,825 |
| Total noninterest expense | $2,479,000 | 5,324 |
| Salaries and employee benefits | $1,102,000 | 5,636 |
| Premises and equipment expense | $290,000 | 6,016 |
| Additional noninterest expense | $1,087,000 | 4,587 |
| Pre-tax net operating income | $2,394,000 | 2,819 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $739,000 | 2,953 |
| Income before extraordinary items | $1,655,000 | 2,953 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,655,000 | 3,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,721 |
| Cash dividends | $1,362,000 | 1,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,655,000 | 2,803 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,581,000 | 4,502 |
| Total interest expense | $3,111,000 | 5,001 |
| Net interest income | $4,470,000 | 4,025 |
| Provision for loan and lease losses | $302,000 | 4,094 |
| Total noninterest income | $291,000 | 7,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 8,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 6,145 |
| Total noninterest expense | $2,331,000 | 5,625 |
| Salaries and employee benefits | $1,126,000 | 5,481 |
| Premises and equipment expense | $296,000 | 6,033 |
| Additional noninterest expense | $909,000 | 5,477 |
| Pre-tax net operating income | $2,128,000 | 2,930 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $653,000 | 3,194 |
| Income before extraordinary items | $1,529,000 | 3,023 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,529,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 2,748 |
| Cash dividends | $1,688,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,491,200 | 2,863 |
* 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.