Heritage Bank of Southern Indiana, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$5,931,0005,006
Total interest expense$3,398,0004,302
Net interest income$2,533,0005,678
Provision for loan and lease losses$210,0004,019
Total noninterest income$752,0004,023
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$262,0004,520
Trading account gains and fees$0177
Additional Noninterest Income$490,0003,164
Total noninterest expense$2,098,0005,565
Salaries and employee benefits$882,0006,445
Premises and equipment expense$197,0006,839
Additional noninterest expense$1,019,0004,008
Pre-tax net operating income$977,0004,958
Securities gains (losses)$04,612
Applicable income taxes$363,0003,920
Income before extraordinary items$614,0005,561
Extraordinary gains, net$0105
Net income$614,0005,565
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,826
Cash dividends$200,0004,983
Sale, conversion, retirement of capital stock, net$0922
Net operating income$614,0005,429
2000-12-31 (YTD Data)Rank
Total interest income$6,141,0004,996
Total interest expense$3,614,0004,293
Net interest income$2,527,0005,757
Provision for loan and lease losses$345,0002,599
Total noninterest income$918,0003,339
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$205,0005,029
Trading account gains and feesNANA
Additional Noninterest Income$713,0002,328
Total noninterest expense$1,906,0005,849
Salaries and employee benefits$845,0006,525
Premises and equipment expense$18,0009,783
Additional noninterest expense$1,043,0003,866
Pre-tax net operating income$1,194,0004,733
Securities gains (losses)$01,956
Applicable income taxes$439,0003,788
Income before extraordinary items$755,0005,221
Extraordinary gains, net$038
Net income$755,0005,220
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$55,0004,600
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$755,0005,214
1999-12-31 (YTD Data)Rank
Total interest income$4,630,0005,838
Total interest expense$2,434,0005,279
Net interest income$2,196,0006,285
Provision for loan and lease losses$283,0002,806
Total noninterest income$711,0003,953
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$147,0005,898
Trading account gains and feesNANA
Additional Noninterest Income$564,0002,735
Total noninterest expense$1,611,0006,510
Salaries and employee benefits$760,0006,942
Premises and equipment expense$279,0005,696
Additional noninterest expense$572,0006,009
Pre-tax net operating income$1,013,0005,274
Securities gains (losses)$03,155
Applicable income taxes$406,0004,120
Income before extraordinary items$607,0005,860
Extraordinary gains, net$035
Net income$607,0005,857
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$139,0002,974
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$607,0005,835
1998-12-31 (YTD Data)Rank
Total interest income$3,209,0007,274
Total interest expense$1,816,0006,521
Net interest income$1,393,0007,918
Provision for loan and lease losses$190,0003,612
Total noninterest income$636,0004,227
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$119,0006,481
Trading account gains and feesNANA
Additional Noninterest Income$517,0002,920
Total noninterest expense$1,414,0006,924
Salaries and employee benefits$680,0007,304
Premises and equipment expense$245,0006,041
Additional noninterest expense$489,0006,519
Pre-tax net operating income$425,0007,738
Securities gains (losses)$04,449
Applicable income taxes$169,0006,594
Income before extraordinary items$256,0008,213
Extraordinary gains, net$032
Net income$256,0008,212
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$67,0004,364
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$256,0008,139
1997-12-31 (YTD Data)Rank
Total interest income$2,503,0008,375
Total interest expense$1,407,0007,567
Net interest income$1,096,0008,949
Provision for loan and lease losses$127,0004,498
Total noninterest income$427,0005,504
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$89,0007,447
Trading account gains and feesNANA
Additional Noninterest Income$338,0003,661
Total noninterest expense$1,045,0008,187
Salaries and employee benefits$511,0008,523
Premises and equipment expense$165,0007,471
Additional noninterest expense$369,0007,641
Pre-tax net operating income$351,0008,731
Securities gains (losses)$03,944
Applicable income taxes$142,0007,726
Income before extraordinary items$209,0009,079
Extraordinary gains, net$044
Net income$209,0009,083
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,455
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$209,0009,041
1996-12-31 (YTD Data)Rank
Total interest income$1,493,00010,121
Total interest expense$819,0009,588
Net interest income$674,00010,460
Provision for loan and lease losses$25,0007,649
Total noninterest income$395,0005,987
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$35,0009,247
Trading account gains and feesNANA
Additional Noninterest Income$360,0003,623
Total noninterest expense$982,0008,735
Salaries and employee benefits$494,0008,933
Premises and equipment expense$207,0006,906
Additional noninterest expense$281,0009,071
Pre-tax net operating income$62,00010,541
Securities gains (losses)$04,148
Applicable income taxes$25,00010,115
Income before extraordinary items$37,00010,642
Extraordinary gains, net$053
Net income$37,00010,639
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0008,019
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$1,000935
Net operating income$37,00010,595

* 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.