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Heritage Bank East Bay, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$6,876,0004,107
Total interest expense$1,900,0004,972
Net interest income$4,976,0003,687
Provision for loan and lease losses$466,0002,516
Total noninterest income$239,0006,957
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$172,0005,563
Trading account gains and fees$0153
Additional Noninterest Income$67,0007,151
Total noninterest expense$4,443,0003,258
Salaries and employee benefits$2,375,0003,254
Premises and equipment expense$739,0002,859
Additional noninterest expense$1,329,0003,300
Pre-tax net operating income$306,0007,517
Securities gains (losses)$267,000978
Applicable income taxes$196,0005,150
Income before extraordinary items$377,0006,946
Extraordinary gains, net$070
Net income$377,0006,946
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$321,0002,265
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$200,7807,737
2001-12-31 (YTD Data)Rank
Total interest income$7,804,0004,102
Total interest expense$3,119,0004,583
Net interest income$4,685,0003,623
Provision for loan and lease losses$288,0003,315
Total noninterest income$216,0007,156
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$141,0005,922
Trading account gains and fees$0177
Additional Noninterest Income$75,0007,000
Total noninterest expense$4,167,0003,311
Salaries and employee benefits$2,413,0003,042
Premises and equipment expense$683,0003,008
Additional noninterest expense$1,071,0003,846
Pre-tax net operating income$446,0006,765
Securities gains (losses)$73,0002,015
Applicable income taxes$196,0005,065
Income before extraordinary items$323,0006,994
Extraordinary gains, net$0105
Net income$323,0006,994
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$276,2807,158
2000-12-31 (YTD Data)Rank
Total interest income$7,113,0004,527
Total interest expense$2,611,0005,411
Net interest income$4,502,0003,792
Provision for loan and lease losses$366,0002,448
Total noninterest income$143,0007,990
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0006,811
Trading account gains and feesNANA
Additional Noninterest Income$55,0007,624
Total noninterest expense$4,143,0003,234
Salaries and employee benefits$2,193,0003,198
Premises and equipment expense$622,0003,162
Additional noninterest expense$1,328,0003,118
Pre-tax net operating income$136,0008,661
Securities gains (losses)$01,956
Applicable income taxes$50,0007,236
Income before extraordinary items$86,0008,790
Extraordinary gains, net$038
Net income$86,0008,790
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$86,0008,780
1999-12-31 (YTD Data)Rank
Total interest income$3,858,0006,485
Total interest expense$1,242,0007,534
Net interest income$2,616,0005,652
Provision for loan and lease losses$304,0002,609
Total noninterest income$67,0009,338
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$34,0008,210
Trading account gains and feesNANA
Additional Noninterest Income$33,0008,711
Total noninterest expense$3,191,0004,006
Salaries and employee benefits$1,971,0003,485
Premises and equipment expense$445,0004,169
Additional noninterest expense$775,0004,910
Pre-tax net operating income$-812,00010,002
Securities gains (losses)$03,155
Applicable income taxes$-278,00010,079
Income before extraordinary items$-534,0009,920
Extraordinary gains, net$035
Net income$-534,0009,918
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-534,0009,899
1998-12-31 (YTD Data)Rank
Total interest income$170,00010,375
Total interest expense$43,00010,348
Net interest income$127,00010,361
Provision for loan and lease losses$15,0007,946
Total noninterest income$1,00010,395
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,0009,040
Trading account gains and feesNANA
Additional Noninterest Income$010,383
Total noninterest expense$110,00010,431
Salaries and employee benefits$81,00010,393
Premises and equipment expense$010,432
Additional noninterest expense$29,00010,436
Pre-tax net operating income$3,0009,772
Securities gains (losses)$04,449
Applicable income taxes$1,0009,299
Income before extraordinary items$2,0009,830
Extraordinary gains, net$032
Net income$2,0009,827
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$5,500,000213
Net operating income$2,0009,780

* 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.