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Heritage Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $327,000 | 9,494 |
| Total interest expense | $65,000 | 9,491 |
| Net interest income | $262,000 | 9,450 |
| Provision for loan and lease losses | $77,000 | 6,054 |
| Total noninterest income | $22,000 | 9,408 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $17,000 | 8,172 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,000 | 9,318 |
| Total noninterest expense | $172,000 | 9,574 |
| Salaries and employee benefits | $92,000 | 9,560 |
| Premises and equipment expense | $32,000 | 9,385 |
| Additional noninterest expense | $48,000 | 9,558 |
| Pre-tax net operating income | $35,000 | 8,595 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $35,000 | 8,672 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $35,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 304 |
| Net operating income | $35,000 | 8,581 |
* 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.