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Heritage Bank, a Federal Savings Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$19,024,000	1,829
Total interest expense	$11,706,000	1,470
Net interest income	$7,318,000	2,424
Provision for loan and lease losses	$1,330,000	839
Total noninterest income	$1,567,000	2,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,567,000	1,342
Total noninterest expense	$6,644,000	2,074
Salaries and employee benefits	$3,902,000	1,846
Premises and equipment expense	$1,184,000	1,763
Additional noninterest expense	$1,558,000	2,715
Pre-tax net operating income	$911,000	5,512
Securities gains (losses)	$2,176,000	88
Applicable income taxes	$1,175,000	1,855
Income before extraordinary items	$1,912,000	2,670
Extraordinary gains, net	$0	38
Net income	$1,912,000	2,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$906,000	806
Cash dividends	$2,200,000	1,252
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$519,360	6,231
1999-12-31 (YTD Data)		Rank
Total interest income	$16,091,000	2,011
Total interest expense	$9,158,000	1,640
Net interest income	$6,933,000	2,534
Provision for loan and lease losses	$110,000	5,020
Total noninterest income	$1,067,000	2,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,067,000	1,780
Total noninterest expense	$6,343,000	2,143
Salaries and employee benefits	$3,739,000	1,865
Premises and equipment expense	$1,009,000	2,036
Additional noninterest expense	$1,595,000	2,714
Pre-tax net operating income	$1,547,000	4,005
Securities gains (losses)	$2,444,000	119
Applicable income taxes	$1,532,000	1,576
Income before extraordinary items	$2,459,000	2,126
Extraordinary gains, net	$0	35
Net income	$2,459,000	2,127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,651
Cash dividends	$2,760,000	1,043
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$894,840	4,723
1998-12-31 (YTD Data)		Rank
Total interest income	$13,638,000	2,389
Total interest expense	$7,327,000	2,074
Net interest income	$6,311,000	2,721
Provision for loan and lease losses	$335,000	2,383
Total noninterest income	$783,000	3,682
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$783,000	2,207
Total noninterest expense	$5,568,000	2,355
Salaries and employee benefits	$3,304,000	2,044
Premises and equipment expense	$793,000	2,473
Additional noninterest expense	$1,471,000	2,830
Pre-tax net operating income	$1,191,000	4,904
Securities gains (losses)	$2,505,000	205
Applicable income taxes	$1,414,000	1,723
Income before extraordinary items	$2,282,000	2,278
Extraordinary gains, net	$0	32
Net income	$2,282,000	2,277
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,328
Cash dividends	$1,226,000	1,914
Sale, conversion, retirement of capital stock, net	$14,466,000	65
Net operating income	$678,800	5,598
1997-12-31 (YTD Data)		Rank
Total interest income	$5,746,000	5,228
Total interest expense	$2,963,000	4,770
Net interest income	$2,783,000	5,606
Provision for loan and lease losses	$492,000	1,800
Total noninterest income	$607,000	4,379
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$607,000	2,452
Total noninterest expense	$2,282,000	5,135
Salaries and employee benefits	$1,234,000	4,970
Premises and equipment expense	$433,000	4,167
Additional noninterest expense	$615,000	5,716
Pre-tax net operating income	$616,000	7,342
Securities gains (losses)	$515,000	419
Applicable income taxes	$395,000	4,920
Income before extraordinary items	$736,000	5,736
Extraordinary gains, net	$0	44
Net income	$736,000	5,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,767
Cash dividends	$320,000	4,410
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$401,250	7,572
1996-12-31 (YTD Data)		Rank
Total interest income	$4,481,000	6,423
Total interest expense	$2,226,000	5,999
Net interest income	$2,255,000	6,647
Provision for loan and lease losses	$160,000	3,923
Total noninterest income	$560,000	4,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$560,000	2,707
Total noninterest expense	$2,208,000	5,523
Salaries and employee benefits	$1,010,000	5,942
Premises and equipment expense	$357,000	4,955
Additional noninterest expense	$841,000	5,006
Pre-tax net operating income	$447,000	8,226
Securities gains (losses)	$521,000	408
Applicable income taxes	$368,000	5,153
Income before extraordinary items	$600,000	6,279
Extraordinary gains, net	$0	53
Net income	$600,000	6,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,977
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$266,560	8,632
1995-12-31 (YTD Data)		Rank
Total interest income	$3,441,000	7,623
Total interest expense	$1,713,000	7,108
Net interest income	$1,728,000	7,938
Provision for loan and lease losses	$46,000	6,390
Total noninterest income	$380,000	6,171
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$380,000	3,421
Total noninterest expense	$1,465,000	7,381
Salaries and employee benefits	$707,000	7,680
Premises and equipment expense	$260,000	6,200
Additional noninterest expense	$498,000	7,264
Pre-tax net operating income	$597,000	7,879
Securities gains (losses)	$261,000	570
Applicable income taxes	$307,000	5,919
Income before extraordinary items	$551,000	6,895
Extraordinary gains, net	$0	65
Net income	$551,000	6,893
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,333
Cash dividends	$160,000	5,934
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$383,960	8,191
1994-12-31 (YTD Data)		Rank
Total interest income	$1,518,000	10,709
Total interest expense	$699,000	10,092
Net interest income	$819,000	10,992
Provision for loan and lease losses	$0	9,146
Total noninterest income	$192,000	8,873
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$192,000	5,402
Total noninterest expense	$745,000	10,495
Salaries and employee benefits	$354,000	10,695
Premises and equipment expense	$132,000	9,037
Additional noninterest expense	$259,000	10,419
Pre-tax net operating income	$266,000	10,366
Securities gains (losses)	$90,000	816
Applicable income taxes	$138,000	8,551
Income before extraordinary items	$218,000	10,055
Extraordinary gains, net	$0	249
Net income	$218,000	10,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$50,000	7,903
Sale, conversion, retirement of capital stock, net	$2,433,000	276
Net operating income	$160,400	10,740
1993-12-31 (YTD Data)		Rank
Total interest income	$2,375,000	9,431
Total interest expense	$1,258,000	8,045
Net interest income	$1,117,000	10,343
Provision for loan and lease losses	$25,000	8,682
Total noninterest income	$369,000	6,814
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$369,000	3,957
Total noninterest expense	$1,153,000	9,091
Salaries and employee benefits	$619,000	8,642
Premises and equipment expense	$182,000	8,093
Additional noninterest expense	$352,000	9,818
Pre-tax net operating income	$308,000	10,170
Securities gains (losses)	$492,000	907
Applicable income taxes	$309,000	5,964
Income before extraordinary items	$491,000	7,628
Extraordinary gains, net	$95,000	1,624
Net income	$586,000	7,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$40,000	8,186
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$176,120	10,705
1992-12-31 (YTD Data)		Rank
Total interest income	$2,603,000	9,721
Total interest expense	$1,604,000	8,191
Net interest income	$999,000	11,108
Provision for loan and lease losses	$83,000	7,797
Total noninterest income	$352,000	7,085
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$352,000	4,024
Total noninterest expense	$1,185,000	9,113
Salaries and employee benefits	$539,000	9,376
Premises and equipment expense	$153,000	9,020
Additional noninterest expense	$493,000	8,524
Pre-tax net operating income	$83,000	12,177
Securities gains (losses)	$354,000	1,388
Applicable income taxes	$226,000	7,072
Income before extraordinary items	$211,000	10,449
Extraordinary gains, net	$2,000	1,410
Net income	$213,000	10,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	10,870
Cash dividends	$20,000	8,461
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-15,560	12,731

* 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.