Home > Heritage Community Bank > Income and Expense
Heritage Community Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 4,641 |
| Total interest expense | $494,000 | 4,054 |
| Net interest income | $928,000 | 4,864 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $117,000 | 5,341 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $61,000 | 4,567 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,934 |
| Total noninterest expense | $855,000 | 4,329 |
| Salaries and employee benefits | $422,000 | 4,654 |
| Premises and equipment expense | $108,000 | 4,611 |
| Additional noninterest expense | $325,000 | 3,571 |
| Pre-tax net operating income | $190,000 | 6,068 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $190,000 | 5,547 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $190,000 | 5,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 1,274 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 294 |
| Net operating income | $190,000 | 5,513 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,882,000 | 4,320 |
| Total interest expense | $1,877,000 | 3,834 |
| Net interest income | $4,005,000 | 4,482 |
| Provision for loan and lease losses | $2,903,000 | 398 |
| Total noninterest income | $358,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $291,000 | 4,385 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $67,000 | 7,035 |
| Total noninterest expense | $3,278,000 | 4,391 |
| Salaries and employee benefits | $1,746,000 | 4,434 |
| Premises and equipment expense | $449,000 | 4,411 |
| Additional noninterest expense | $1,083,000 | 4,067 |
| Pre-tax net operating income | $-1,818,000 | 8,885 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,818,000 | 8,905 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,818,000 | 8,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,958,000 | 471 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $4,444,000 | 244 |
| Net operating income | $-1,818,000 | 8,889 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,336,000 | 4,355 |
| Total interest expense | $1,365,000 | 3,880 |
| Net interest income | $2,971,000 | 4,509 |
| Provision for loan and lease losses | $1,683,000 | 471 |
| Total noninterest income | $259,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $218,000 | 4,420 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 7,315 |
| Total noninterest expense | $2,371,000 | 4,467 |
| Salaries and employee benefits | $1,285,000 | 4,451 |
| Premises and equipment expense | $301,000 | 4,738 |
| Additional noninterest expense | $785,000 | 4,142 |
| Pre-tax net operating income | $-824,000 | 8,866 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-824,000 | 8,899 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-824,000 | 8,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $561,000 | 866 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $4,432,000 | 175 |
| Net operating income | $-824,000 | 8,879 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,743,000 | 4,530 |
| Total interest expense | $845,000 | 4,115 |
| Net interest income | $1,898,000 | 4,642 |
| Provision for loan and lease losses | $183,000 | 2,342 |
| Total noninterest income | $222,000 | 5,598 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $142,000 | 4,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $80,000 | 5,602 |
| Total noninterest expense | $1,575,000 | 4,505 |
| Salaries and employee benefits | $850,000 | 4,513 |
| Premises and equipment expense | $207,000 | 4,664 |
| Additional noninterest expense | $518,000 | 4,196 |
| Pre-tax net operating income | $362,000 | 6,106 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $362,000 | 5,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $362,000 | 5,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,563 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $2,625,000 | 154 |
| Net operating income | $362,000 | 5,499 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,325,000 | 4,656 |
| Total interest expense | $398,000 | 4,354 |
| Net interest income | $927,000 | 4,721 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $107,000 | 5,629 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $69,000 | 4,450 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $38,000 | 5,668 |
| Total noninterest expense | $748,000 | 4,699 |
| Salaries and employee benefits | $401,000 | 4,728 |
| Premises and equipment expense | $99,000 | 4,820 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $253,000 | 5,256 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $253,000 | 4,716 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $253,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 313 |
| Net operating income | $253,000 | 4,594 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,770,000 | 5,053 |
| Total interest expense | $1,677,000 | 4,560 |
| Net interest income | $3,093,000 | 5,214 |
| Provision for loan and lease losses | $388,000 | 2,652 |
| Total noninterest income | $377,000 | 6,093 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $292,000 | 4,363 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $85,000 | 6,798 |
| Total noninterest expense | $2,475,000 | 5,248 |
| Salaries and employee benefits | $1,228,000 | 5,564 |
| Premises and equipment expense | $375,000 | 4,958 |
| Additional noninterest expense | $872,000 | 4,746 |
| Pre-tax net operating income | $607,000 | 6,316 |
| Securities gains (losses) | $17,000 | 3,315 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $624,000 | 5,866 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $624,000 | 5,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,988 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,156,000 | 401 |
| Net operating income | $607,000 | 5,750 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,550,000 | 5,148 |
| Total interest expense | $1,341,000 | 4,494 |
| Net interest income | $2,209,000 | 5,375 |
| Provision for loan and lease losses | $229,000 | 3,032 |
| Total noninterest income | $304,000 | 5,994 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $213,000 | 4,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $91,000 | 6,249 |
| Total noninterest expense | $1,802,000 | 5,325 |
| Salaries and employee benefits | $918,000 | 5,529 |
| Premises and equipment expense | $261,000 | 5,184 |
| Additional noninterest expense | $623,000 | 4,882 |
| Pre-tax net operating income | $482,000 | 6,363 |
| Securities gains (losses) | $17,000 | 3,051 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $499,000 | 5,867 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $499,000 | 5,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,181 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $1,126,000 | 295 |
| Net operating income | $482,000 | 5,773 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,348,000 | 5,206 |
| Total interest expense | $955,000 | 4,397 |
| Net interest income | $1,393,000 | 5,577 |
| Provision for loan and lease losses | $179,000 | 2,753 |
| Total noninterest income | $193,000 | 6,094 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $133,000 | 4,584 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $60,000 | 6,260 |
| Total noninterest expense | $1,186,000 | 5,366 |
| Salaries and employee benefits | $613,000 | 5,546 |
| Premises and equipment expense | $174,000 | 5,157 |
| Additional noninterest expense | $399,000 | 5,014 |
| Pre-tax net operating income | $221,000 | 7,033 |
| Securities gains (losses) | $17,000 | 2,697 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $238,000 | 6,627 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $238,000 | 6,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,091 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $1,119,000 | 193 |
| Net operating income | $221,000 | 6,571 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,171,000 | 5,244 |
| Total interest expense | $506,000 | 4,308 |
| Net interest income | $665,000 | 5,699 |
| Provision for loan and lease losses | $59,000 | 3,475 |
| Total noninterest income | $60,000 | 7,024 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 6,429 |
| Total noninterest expense | $599,000 | 5,342 |
| Salaries and employee benefits | $321,000 | 5,412 |
| Premises and equipment expense | $86,000 | 5,190 |
| Additional noninterest expense | $192,000 | 5,116 |
| Pre-tax net operating income | $67,000 | 7,718 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $67,000 | 7,552 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $67,000 | 7,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,620 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $1,109,000 | 98 |
| Net operating income | $67,000 | 7,397 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,017,000 | 5,885 |
| Total interest expense | $1,914,000 | 4,950 |
| Net interest income | $2,103,000 | 6,466 |
| Provision for loan and lease losses | $311,000 | 3,346 |
| Total noninterest income | $248,000 | 6,886 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $163,000 | 5,671 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $85,000 | 6,773 |
| Total noninterest expense | $1,909,000 | 6,038 |
| Salaries and employee benefits | $932,000 | 6,390 |
| Premises and equipment expense | $316,000 | 5,403 |
| Additional noninterest expense | $661,000 | 5,598 |
| Pre-tax net operating income | $131,000 | 8,193 |
| Securities gains (losses) | $77,000 | 2,005 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $208,000 | 7,795 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $208,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,321 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $837,000 | 406 |
| Net operating income | $131,000 | 8,084 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,576,000 | 6,707 |
| Total interest expense | $2,115,000 | 5,928 |
| Net interest income | $1,461,000 | 7,402 |
| Provision for loan and lease losses | $451,000 | 2,389 |
| Total noninterest income | $246,000 | 6,896 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $162,000 | 5,640 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $84,000 | 6,788 |
| Total noninterest expense | $1,689,000 | 6,362 |
| Salaries and employee benefits | $779,000 | 6,880 |
| Premises and equipment expense | $310,000 | 5,428 |
| Additional noninterest expense | $600,000 | 5,839 |
| Pre-tax net operating income | $-433,000 | 9,131 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-434,000 | 9,202 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-434,000 | 9,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 2,375 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-433,000 | 9,160 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,334,000 | 7,073 |
| Total interest expense | $1,864,000 | 6,484 |
| Net interest income | $1,470,000 | 7,507 |
| Provision for loan and lease losses | $117,000 | 5,008 |
| Total noninterest income | $211,000 | 7,158 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 5,543 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 7,994 |
| Total noninterest expense | $1,529,000 | 6,682 |
| Salaries and employee benefits | $718,000 | 7,111 |
| Premises and equipment expense | $284,000 | 5,599 |
| Additional noninterest expense | $527,000 | 6,225 |
| Pre-tax net operating income | $35,000 | 9,003 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $35,000 | 9,013 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $35,000 | 9,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $35,000 | 8,998 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 7,993 |
| Total interest expense | $1,283,000 | 7,442 |
| Net interest income | $1,143,000 | 8,312 |
| Provision for loan and lease losses | $116,000 | 4,933 |
| Total noninterest income | $123,000 | 8,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 6,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,711 |
| Total noninterest expense | $1,298,000 | 7,312 |
| Salaries and employee benefits | $599,000 | 7,760 |
| Premises and equipment expense | $239,000 | 6,199 |
| Additional noninterest expense | $460,000 | 6,819 |
| Pre-tax net operating income | $-148,000 | 9,577 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-148,000 | 9,625 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-148,000 | 9,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,729 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-148,000 | 9,602 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,416,000 | 9,397 |
| Total interest expense | $729,000 | 9,125 |
| Net interest income | $687,000 | 9,522 |
| Provision for loan and lease losses | $159,000 | 4,044 |
| Total noninterest income | $55,000 | 9,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 8,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,739 |
| Total noninterest expense | $1,132,000 | 7,728 |
| Salaries and employee benefits | $570,000 | 7,924 |
| Premises and equipment expense | $154,000 | 7,558 |
| Additional noninterest expense | $408,000 | 7,154 |
| Pre-tax net operating income | $-549,000 | 10,210 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-547,000 | 10,249 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-547,000 | 10,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-549,000 | 10,223 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $291,000 | 10,801 |
| Total interest expense | $80,000 | 10,793 |
| Net interest income | $211,000 | 10,768 |
| Provision for loan and lease losses | $92,000 | 5,344 |
| Total noninterest income | $7,000 | 10,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,622 |
| Total noninterest expense | $760,000 | 9,190 |
| Salaries and employee benefits | $433,000 | 9,053 |
| Premises and equipment expense | $83,000 | 9,364 |
| Additional noninterest expense | $244,000 | 8,915 |
| Pre-tax net operating income | $-634,000 | 10,782 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-634,000 | 10,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-634,000 | 10,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,394,000 | 185 |
| Net operating income | $-634,000 | 10,777 |
* 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.