Home > Heritage Bank of Southern Indiana > Income and Expense
Heritage Bank of Southern Indiana, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,931,000 | 5,006 |
| Total interest expense | $3,398,000 | 4,302 |
| Net interest income | $2,533,000 | 5,678 |
| Provision for loan and lease losses | $210,000 | 4,019 |
| Total noninterest income | $752,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $262,000 | 4,520 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $490,000 | 3,164 |
| Total noninterest expense | $2,098,000 | 5,565 |
| Salaries and employee benefits | $882,000 | 6,445 |
| Premises and equipment expense | $197,000 | 6,839 |
| Additional noninterest expense | $1,019,000 | 4,008 |
| Pre-tax net operating income | $977,000 | 4,958 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $363,000 | 3,920 |
| Income before extraordinary items | $614,000 | 5,561 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $614,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,826 |
| Cash dividends | $200,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $614,000 | 5,429 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,141,000 | 4,996 |
| Total interest expense | $3,614,000 | 4,293 |
| Net interest income | $2,527,000 | 5,757 |
| Provision for loan and lease losses | $345,000 | 2,599 |
| Total noninterest income | $918,000 | 3,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $713,000 | 2,328 |
| Total noninterest expense | $1,906,000 | 5,849 |
| Salaries and employee benefits | $845,000 | 6,525 |
| Premises and equipment expense | $18,000 | 9,783 |
| Additional noninterest expense | $1,043,000 | 3,866 |
| Pre-tax net operating income | $1,194,000 | 4,733 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $439,000 | 3,788 |
| Income before extraordinary items | $755,000 | 5,221 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $755,000 | 5,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,600 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $755,000 | 5,214 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,630,000 | 5,838 |
| Total interest expense | $2,434,000 | 5,279 |
| Net interest income | $2,196,000 | 6,285 |
| Provision for loan and lease losses | $283,000 | 2,806 |
| Total noninterest income | $711,000 | 3,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 5,898 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $564,000 | 2,735 |
| Total noninterest expense | $1,611,000 | 6,510 |
| Salaries and employee benefits | $760,000 | 6,942 |
| Premises and equipment expense | $279,000 | 5,696 |
| Additional noninterest expense | $572,000 | 6,009 |
| Pre-tax net operating income | $1,013,000 | 5,274 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $406,000 | 4,120 |
| Income before extraordinary items | $607,000 | 5,860 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $607,000 | 5,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,974 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $607,000 | 5,835 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,209,000 | 7,274 |
| Total interest expense | $1,816,000 | 6,521 |
| Net interest income | $1,393,000 | 7,918 |
| Provision for loan and lease losses | $190,000 | 3,612 |
| Total noninterest income | $636,000 | 4,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $517,000 | 2,920 |
| Total noninterest expense | $1,414,000 | 6,924 |
| Salaries and employee benefits | $680,000 | 7,304 |
| Premises and equipment expense | $245,000 | 6,041 |
| Additional noninterest expense | $489,000 | 6,519 |
| Pre-tax net operating income | $425,000 | 7,738 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $169,000 | 6,594 |
| Income before extraordinary items | $256,000 | 8,213 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $256,000 | 8,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,364 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $256,000 | 8,139 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,503,000 | 8,375 |
| Total interest expense | $1,407,000 | 7,567 |
| Net interest income | $1,096,000 | 8,949 |
| Provision for loan and lease losses | $127,000 | 4,498 |
| Total noninterest income | $427,000 | 5,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 7,447 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 3,661 |
| Total noninterest expense | $1,045,000 | 8,187 |
| Salaries and employee benefits | $511,000 | 8,523 |
| Premises and equipment expense | $165,000 | 7,471 |
| Additional noninterest expense | $369,000 | 7,641 |
| Pre-tax net operating income | $351,000 | 8,731 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $142,000 | 7,726 |
| Income before extraordinary items | $209,000 | 9,079 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $209,000 | 9,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $209,000 | 9,041 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,493,000 | 10,121 |
| Total interest expense | $819,000 | 9,588 |
| Net interest income | $674,000 | 10,460 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $395,000 | 5,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 9,247 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $360,000 | 3,623 |
| Total noninterest expense | $982,000 | 8,735 |
| Salaries and employee benefits | $494,000 | 8,933 |
| Premises and equipment expense | $207,000 | 6,906 |
| Additional noninterest expense | $281,000 | 9,071 |
| Pre-tax net operating income | $62,000 | 10,541 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $25,000 | 10,115 |
| Income before extraordinary items | $37,000 | 10,642 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $37,000 | 10,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 935 |
| Net operating income | $37,000 | 10,595 |
* 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.