Home > Heritage Bank & Trust Company > Income and Expense
Heritage Bank & Trust Company, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $195,000 | 8,956 |
| Total interest expense | $45,000 | 9,014 |
| Net interest income | $150,000 | 8,847 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $13,000 | 8,892 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $150,000 | 8,729 |
| Salaries and employee benefits | $94,000 | 8,569 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $35,000 | 8,913 |
| Pre-tax net operating income | $12,000 | 8,560 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-1,000 | 8,975 |
| Income before extraordinary items | $13,000 | 8,593 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $13,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $13,000 | 8,481 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $851,000 | 8,961 |
| Total interest expense | $148,000 | 9,139 |
| Net interest income | $703,000 | 8,739 |
| Provision for loan and lease losses | $174,000 | 4,664 |
| Total noninterest income | $46,000 | 8,994 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $38,000 | 7,719 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,967 |
| Total noninterest expense | $503,000 | 8,986 |
| Salaries and employee benefits | $264,000 | 9,012 |
| Premises and equipment expense | $111,000 | 8,018 |
| Additional noninterest expense | $128,000 | 9,019 |
| Pre-tax net operating income | $72,000 | 8,394 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-18,000 | 8,902 |
| Income before extraordinary items | $90,000 | 8,378 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $90,000 | 8,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,886 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $90,000 | 8,290 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,210,000 | 8,981 |
| Total interest expense | $627,000 | 8,771 |
| Net interest income | $583,000 | 9,068 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $63,000 | 9,008 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $41,000 | 7,772 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $22,000 | 8,652 |
| Total noninterest expense | $587,000 | 8,970 |
| Salaries and employee benefits | $310,000 | 9,019 |
| Premises and equipment expense | $81,000 | 8,604 |
| Additional noninterest expense | $196,000 | 8,692 |
| Pre-tax net operating income | $59,000 | 8,508 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $21,000 | 7,291 |
| Income before extraordinary items | $42,000 | 8,648 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $42,000 | 8,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $39,320 | 8,561 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 8,978 |
| Total interest expense | $634,000 | 8,985 |
| Net interest income | $842,000 | 8,810 |
| Provision for loan and lease losses | $45,000 | 6,708 |
| Total noninterest income | $66,000 | 9,090 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,033 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,376 |
| Total noninterest expense | $525,000 | 9,329 |
| Salaries and employee benefits | $324,000 | 9,142 |
| Premises and equipment expense | $81,000 | 8,764 |
| Additional noninterest expense | $120,000 | 9,491 |
| Pre-tax net operating income | $338,000 | 7,744 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $131,000 | 6,146 |
| Income before extraordinary items | $207,000 | 8,029 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $207,000 | 8,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $19,000 | 6,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $207,000 | 8,030 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 9,299 |
| Total interest expense | $501,000 | 9,440 |
| Net interest income | $807,000 | 9,051 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $59,000 | 9,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,750 |
| Total noninterest expense | $539,000 | 9,504 |
| Salaries and employee benefits | $289,000 | 9,530 |
| Premises and equipment expense | $84,000 | 8,949 |
| Additional noninterest expense | $166,000 | 9,376 |
| Pre-tax net operating income | $291,000 | 8,147 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $120,000 | 6,654 |
| Income before extraordinary items | $171,000 | 8,503 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $171,000 | 8,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,247 |
| Cash dividends | $18,000 | 6,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $171,000 | 8,465 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 9,785 |
| Total interest expense | $465,000 | 9,768 |
| Net interest income | $610,000 | 9,714 |
| Provision for loan and lease losses | $38,000 | 7,037 |
| Total noninterest income | $88,000 | 9,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $516,000 | 9,719 |
| Salaries and employee benefits | $262,000 | 9,819 |
| Premises and equipment expense | $79,000 | 9,163 |
| Additional noninterest expense | $175,000 | 9,400 |
| Pre-tax net operating income | $144,000 | 9,203 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $69,000 | 8,007 |
| Income before extraordinary items | $75,000 | 9,493 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $75,000 | 9,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,124 |
| Cash dividends | $19,000 | 7,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $75,000 | 9,425 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $979,000 | 10,319 |
| Total interest expense | $428,000 | 10,267 |
| Net interest income | $551,000 | 10,284 |
| Provision for loan and lease losses | $2,000 | 8,765 |
| Total noninterest income | $78,000 | 9,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,438 |
| Total noninterest expense | $446,000 | 10,341 |
| Salaries and employee benefits | $250,000 | 10,274 |
| Premises and equipment expense | $74,000 | 9,594 |
| Additional noninterest expense | $122,000 | 10,319 |
| Pre-tax net operating income | $181,000 | 9,680 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $58,000 | 9,128 |
| Income before extraordinary items | $123,000 | 9,811 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $123,000 | 9,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $10,000 | 7,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $123,000 | 9,769 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $995,000 | 10,826 |
| Total interest expense | $474,000 | 10,674 |
| Net interest income | $521,000 | 10,847 |
| Provision for loan and lease losses | $4,000 | 8,888 |
| Total noninterest income | $76,000 | 10,350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,888 |
| Total noninterest expense | $452,000 | 10,787 |
| Salaries and employee benefits | $254,000 | 10,692 |
| Premises and equipment expense | $74,000 | 9,976 |
| Additional noninterest expense | $124,000 | 10,858 |
| Pre-tax net operating income | $141,000 | 10,136 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $46,000 | 9,765 |
| Income before extraordinary items | $95,000 | 10,267 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $95,000 | 10,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $95,000 | 10,214 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $826,000 | 11,491 |
| Total interest expense | $368,000 | 11,421 |
| Net interest income | $458,000 | 11,498 |
| Provision for loan and lease losses | $13,000 | 8,094 |
| Total noninterest income | $66,000 | 11,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 9,864 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 9,762 |
| Total noninterest expense | $437,000 | 11,304 |
| Salaries and employee benefits | $252,000 | 11,140 |
| Premises and equipment expense | $70,000 | 10,479 |
| Additional noninterest expense | $115,000 | 11,470 |
| Pre-tax net operating income | $74,000 | 11,211 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $28,000 | 10,615 |
| Income before extraordinary items | $46,000 | 11,305 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $46,000 | 11,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $9,000 | 8,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $46,000 | 11,270 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $753,000 | 12,128 |
| Total interest expense | $301,000 | 12,033 |
| Net interest income | $452,000 | 12,122 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $82,000 | 11,199 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 10,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 9,309 |
| Total noninterest expense | $429,000 | 11,911 |
| Salaries and employee benefits | $237,000 | 11,777 |
| Premises and equipment expense | $73,000 | 10,875 |
| Additional noninterest expense | $119,000 | 12,121 |
| Pre-tax net operating income | $105,000 | 11,596 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $27,000 | 10,992 |
| Income before extraordinary items | $78,000 | 11,588 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $78,000 | 11,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $9,000 | 8,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $78,000 | 11,634 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $708,000 | 12,801 |
| Total interest expense | $299,000 | 12,684 |
| Net interest income | $409,000 | 12,793 |
| Provision for loan and lease losses | $37,000 | 8,073 |
| Total noninterest income | $161,000 | 10,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,833 |
| Total noninterest expense | $466,000 | 12,325 |
| Salaries and employee benefits | $254,000 | 12,146 |
| Premises and equipment expense | $78,000 | 11,231 |
| Additional noninterest expense | $134,000 | 12,612 |
| Pre-tax net operating income | $67,000 | 12,072 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $21,000 | 11,584 |
| Income before extraordinary items | $50,000 | 12,255 |
| Extraordinary gains, net | $-12,000 | 12,346 |
| Net income | $38,000 | 12,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $47,200 | 12,129 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $755,000 | 13,411 |
| Total interest expense | $372,000 | 13,290 |
| Net interest income | $383,000 | 13,434 |
| Provision for loan and lease losses | $5,000 | 11,499 |
| Total noninterest income | $40,000 | 13,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 11,362 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $396,000 | 13,185 |
| Salaries and employee benefits | $192,000 | 13,237 |
| Premises and equipment expense | $78,000 | 11,557 |
| Additional noninterest expense | $126,000 | 13,261 |
| Pre-tax net operating income | $22,000 | 12,582 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $3,000 | 12,573 |
| Income before extraordinary items | $23,000 | 12,758 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $23,000 | 12,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $19,480 | 12,543 |
* 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.