Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $91,051,000 | 433 |
| Total interest expense | $42,696,000 | 446 |
| Net interest income | $48,355,000 | 416 |
| Provision for loan and lease losses | $600,000 | 1,510 |
| Total noninterest income | $8,387,000 | 644 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $5,210,000 | 273 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,177,000 | 813 |
| Total noninterest expense | $29,449,000 | 524 |
| Salaries and employee benefits | $16,081,000 | 431 |
| Premises and equipment expense | $4,835,000 | 449 |
| Additional noninterest expense | $8,533,000 | 659 |
| Pre-tax net operating income | $26,693,000 | 366 |
| Securities gains (losses) | $102,000 | 973 |
| Applicable income taxes | $8,187,000 | 418 |
| Income before extraordinary items | $18,608,000 | 352 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $18,608,000 | 353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,641 |
| Cash dividends | $15,000,000 | 281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $18,537,620 | 342 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $83,824,000 | 489 |
| Total interest expense | $38,155,000 | 516 |
| Net interest income | $45,669,000 | 466 |
| Provision for loan and lease losses | $400,000 | 2,077 |
| Total noninterest income | $6,845,000 | 756 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $4,478,000 | 343 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,367,000 | 1,036 |
| Total noninterest expense | $28,897,000 | 583 |
| Salaries and employee benefits | $15,733,000 | 461 |
| Premises and equipment expense | $4,694,000 | 486 |
| Additional noninterest expense | $8,470,000 | 761 |
| Pre-tax net operating income | $23,217,000 | 417 |
| Securities gains (losses) | $108,000 | 923 |
| Applicable income taxes | $7,443,000 | 441 |
| Income before extraordinary items | $15,882,000 | 409 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $15,882,000 | 410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $649,000 | 1,183 |
| Cash dividends | $18,500,000 | 294 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $15,808,560 | 409 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $73,785,000 | 576 |
| Total interest expense | $33,217,000 | 601 |
| Net interest income | $40,568,000 | 533 |
| Provision for loan and lease losses | $200,000 | 2,992 |
| Total noninterest income | $6,011,000 | 843 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $4,097,000 | 390 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,914,000 | 1,159 |
| Total noninterest expense | $25,866,000 | 650 |
| Salaries and employee benefits | $14,247,000 | 509 |
| Premises and equipment expense | $4,116,000 | 580 |
| Additional noninterest expense | $7,503,000 | 830 |
| Pre-tax net operating income | $20,513,000 | 479 |
| Securities gains (losses) | $223,000 | 634 |
| Applicable income taxes | $6,687,000 | 506 |
| Income before extraordinary items | $14,049,000 | 462 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $14,049,000 | 463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $443,000 | 1,492 |
| Cash dividends | $10,500,000 | 381 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $13,897,360 | 461 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $60,109,000 | 598 |
| Total interest expense | $21,943,000 | 664 |
| Net interest income | $38,166,000 | 547 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $5,903,000 | 824 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $3,832,000 | 405 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,071,000 | 1,106 |
| Total noninterest expense | $24,554,000 | 689 |
| Salaries and employee benefits | $13,590,000 | 538 |
| Premises and equipment expense | $3,873,000 | 600 |
| Additional noninterest expense | $7,091,000 | 900 |
| Pre-tax net operating income | $19,425,000 | 469 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $6,161,000 | 487 |
| Income before extraordinary items | $13,276,000 | 455 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $13,276,000 | 454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-125,000 | 12,293 |
| Cash dividends | $13,000,000 | 289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $13,267,840 | 462 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $55,640,000 | 634 |
| Total interest expense | $21,009,000 | 688 |
| Net interest income | $34,631,000 | 586 |
| Provision for loan and lease losses | $500,000 | 2,086 |
| Total noninterest income | $5,403,000 | 924 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $3,860,000 | 399 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,543,000 | 1,525 |
| Total noninterest expense | $22,477,000 | 753 |
| Salaries and employee benefits | $12,417,000 | 588 |
| Premises and equipment expense | $3,414,000 | 689 |
| Additional noninterest expense | $6,646,000 | 1,018 |
| Pre-tax net operating income | $17,057,000 | 466 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $5,080,000 | 532 |
| Income before extraordinary items | $11,994,000 | 468 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $11,994,000 | 481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $600,000 | 1,583 |
| Cash dividends | $8,950,000 | 312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $11,982,100 | 442 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $55,868,000 | 703 |
| Total interest expense | $25,044,000 | 749 |
| Net interest income | $30,824,000 | 661 |
| Provision for loan and lease losses | $650,000 | 2,489 |
| Total noninterest income | $4,783,000 | 1,016 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $3,351,000 | 442 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,432,000 | 1,565 |
| Total noninterest expense | $20,253,000 | 836 |
| Salaries and employee benefits | $11,163,000 | 644 |
| Premises and equipment expense | $3,085,000 | 782 |
| Additional noninterest expense | $6,005,000 | 1,139 |
| Pre-tax net operating income | $14,704,000 | 450 |
| Securities gains (losses) | $-129,000 | 13,811 |
| Applicable income taxes | $3,858,000 | 619 |
| Income before extraordinary items | $10,717,000 | 459 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $10,717,000 | 465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-380,000 | 13,898 |
| Cash dividends | $8,950,000 | 233 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $10,812,460 | 413 |
* 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.