Home > Heritage Bank South Valley > Income and Expense
Heritage Bank South Valley, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,000,000 | 5,898 |
| Total interest expense | $1,239,000 | 6,333 |
| Net interest income | $2,761,000 | 5,580 |
| Provision for loan and lease losses | $194,000 | 4,440 |
| Total noninterest income | $127,000 | 8,098 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $68,000 | 7,172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $59,000 | 7,380 |
| Total noninterest expense | $2,676,000 | 4,849 |
| Salaries and employee benefits | $1,493,000 | 4,714 |
| Premises and equipment expense | $578,000 | 3,521 |
| Additional noninterest expense | $605,000 | 5,899 |
| Pre-tax net operating income | $18,000 | 8,579 |
| Securities gains (losses) | $20,000 | 3,147 |
| Applicable income taxes | $13,000 | 7,204 |
| Income before extraordinary items | $25,000 | 8,649 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $25,000 | 8,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $11,800 | 8,611 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,398,000 | 6,031 |
| Total interest expense | $2,081,000 | 5,971 |
| Net interest income | $2,317,000 | 5,980 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $73,000 | 8,870 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $29,000 | 7,999 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $44,000 | 7,857 |
| Total noninterest expense | $2,316,000 | 5,223 |
| Salaries and employee benefits | $1,356,000 | 4,873 |
| Premises and equipment expense | $464,000 | 4,136 |
| Additional noninterest expense | $496,000 | 6,462 |
| Pre-tax net operating income | $-106,000 | 8,869 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-40,000 | 9,135 |
| Income before extraordinary items | $-66,000 | 8,921 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-66,000 | 8,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-66,000 | 8,855 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,777,000 | 6,666 |
| Total interest expense | $1,445,000 | 7,266 |
| Net interest income | $2,332,000 | 6,060 |
| Provision for loan and lease losses | $458,000 | 2,025 |
| Total noninterest income | $37,000 | 9,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 8,357 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 8,843 |
| Total noninterest expense | $1,778,000 | 6,102 |
| Salaries and employee benefits | $847,000 | 6,512 |
| Premises and equipment expense | $323,000 | 5,206 |
| Additional noninterest expense | $608,000 | 5,736 |
| Pre-tax net operating income | $133,000 | 8,672 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $52,000 | 7,200 |
| Income before extraordinary items | $81,000 | 8,817 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $81,000 | 8,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $7,000,000 | 126 |
| Net operating income | $81,000 | 8,805 |
* 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.