Home > Heritage Federal Bank > Income and Expense
Heritage Federal Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,560,000 | 1,417 |
| Total interest expense | $14,757,000 | 1,176 |
| Net interest income | $9,803,000 | 1,789 |
| Provision for loan and lease losses | $1,813,000 | 660 |
| Total noninterest income | $875,000 | 3,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $875,000 | 2,024 |
| Total noninterest expense | $9,466,000 | 1,469 |
| Salaries and employee benefits | $6,857,000 | 1,022 |
| Premises and equipment expense | $793,000 | 2,593 |
| Additional noninterest expense | $1,816,000 | 2,365 |
| Pre-tax net operating income | $-601,000 | 9,589 |
| Securities gains (losses) | $550,000 | 251 |
| Applicable income taxes | $-29,000 | 9,418 |
| Income before extraordinary items | $-22,000 | 9,185 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-22,000 | 9,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $597,000 | 1,087 |
| Cash dividends | $29,534,000 | 196 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-374,000 | 9,501 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,149,000 | 1,472 |
| Total interest expense | $12,278,000 | 1,236 |
| Net interest income | $9,871,000 | 1,763 |
| Provision for loan and lease losses | $670,000 | 1,366 |
| Total noninterest income | $401,000 | 5,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $401,000 | 3,409 |
| Total noninterest expense | $5,586,000 | 2,428 |
| Salaries and employee benefits | $4,342,000 | 1,592 |
| Premises and equipment expense | $629,000 | 3,124 |
| Additional noninterest expense | $615,000 | 5,733 |
| Pre-tax net operating income | $4,016,000 | 1,836 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $1,823,000 | 1,342 |
| Income before extraordinary items | $2,196,000 | 2,371 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,196,000 | 2,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,194,080 | 2,350 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,586,000 | 1,577 |
| Total interest expense | $12,920,000 | 1,203 |
| Net interest income | $7,666,000 | 2,230 |
| Provision for loan and lease losses | $-16,000 | 10,235 |
| Total noninterest income | $406,000 | 5,562 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $406,000 | 3,403 |
| Total noninterest expense | $3,273,000 | 3,821 |
| Salaries and employee benefits | $2,030,000 | 3,285 |
| Premises and equipment expense | $576,000 | 3,289 |
| Additional noninterest expense | $667,000 | 5,349 |
| Pre-tax net operating income | $4,815,000 | 1,534 |
| Securities gains (losses) | $38,000 | 1,949 |
| Applicable income taxes | $1,683,000 | 1,462 |
| Income before extraordinary items | $3,170,000 | 1,668 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,170,000 | 1,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 10,153 |
| Cash dividends | $694,000 | 2,876 |
| Sale, conversion, retirement of capital stock, net | $28,606,000 | 36 |
| Net operating income | $3,145,300 | 1,614 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,706,000 | 1,866 |
| Total interest expense | $12,217,000 | 1,302 |
| Net interest income | $5,489,000 | 3,180 |
| Provision for loan and lease losses | $354,000 | 2,310 |
| Total noninterest income | $364,000 | 6,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $364,000 | 3,503 |
| Total noninterest expense | $2,553,000 | 4,708 |
| Salaries and employee benefits | $1,544,000 | 4,156 |
| Premises and equipment expense | $542,000 | 3,448 |
| Additional noninterest expense | $467,000 | 6,786 |
| Pre-tax net operating income | $2,946,000 | 2,531 |
| Securities gains (losses) | $-7,000 | 9,846 |
| Applicable income taxes | $1,006,000 | 2,430 |
| Income before extraordinary items | $1,933,000 | 2,660 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,933,000 | 2,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,195 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,937,620 | 2,613 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,077,000 | 1,976 |
| Total interest expense | $12,211,000 | 1,324 |
| Net interest income | $4,866,000 | 3,618 |
| Provision for loan and lease losses | $3,000 | 8,923 |
| Total noninterest income | $632,000 | 4,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $632,000 | 2,477 |
| Total noninterest expense | $4,112,000 | 3,266 |
| Salaries and employee benefits | $1,484,000 | 4,353 |
| Premises and equipment expense | $599,000 | 3,221 |
| Additional noninterest expense | $2,029,000 | 2,418 |
| Pre-tax net operating income | $1,383,000 | 4,615 |
| Securities gains (losses) | $18,000 | 2,073 |
| Applicable income taxes | $324,000 | 5,572 |
| Income before extraordinary items | $1,077,000 | 4,219 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,077,000 | 4,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-95,000 | 11,208 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,063,140 | 4,210 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,313,000 | 2,060 |
| Total interest expense | $11,356,000 | 1,436 |
| Net interest income | $4,957,000 | 3,574 |
| Provision for loan and lease losses | $61,000 | 5,684 |
| Total noninterest income | $449,000 | 5,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $449,000 | 3,073 |
| Total noninterest expense | $2,425,000 | 5,132 |
| Salaries and employee benefits | $1,452,000 | 4,414 |
| Premises and equipment expense | $312,000 | 5,461 |
| Additional noninterest expense | $661,000 | 6,113 |
| Pre-tax net operating income | $2,920,000 | 2,483 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,327,000 | 1,833 |
| Income before extraordinary items | $1,593,000 | 3,072 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,593,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,210 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,593,000 | 3,041 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,266,000 | 2,035 |
| Total interest expense | $8,530,000 | 1,513 |
| Net interest income | $6,736,000 | 2,689 |
| Provision for loan and lease losses | $117,000 | 4,239 |
| Total noninterest income | $305,000 | 7,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $305,000 | 4,043 |
| Total noninterest expense | $2,366,000 | 5,407 |
| Salaries and employee benefits | $1,397,000 | 4,577 |
| Premises and equipment expense | $244,000 | 6,618 |
| Additional noninterest expense | $725,000 | 6,158 |
| Pre-tax net operating income | $4,558,000 | 1,576 |
| Securities gains (losses) | $-17,000 | 10,215 |
| Applicable income taxes | $1,683,000 | 1,394 |
| Income before extraordinary items | $2,858,000 | 1,721 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,858,000 | 1,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,203 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,868,880 | 1,715 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,075,000 | 1,953 |
| Total interest expense | $9,046,000 | 1,474 |
| Net interest income | $7,029,000 | 2,562 |
| Provision for loan and lease losses | $315,000 | 2,894 |
| Total noninterest income | $401,000 | 6,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $401,000 | 3,745 |
| Total noninterest expense | $2,219,000 | 5,824 |
| Salaries and employee benefits | $1,312,000 | 4,841 |
| Premises and equipment expense | $217,000 | 7,346 |
| Additional noninterest expense | $690,000 | 6,635 |
| Pre-tax net operating income | $4,896,000 | 1,430 |
| Securities gains (losses) | $68,000 | 3,011 |
| Applicable income taxes | $1,772,000 | 1,353 |
| Income before extraordinary items | $3,192,000 | 1,594 |
| Extraordinary gains, net | $570,000 | 391 |
| Net income | $3,762,000 | 1,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,148,480 | 1,524 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,042,000 | 2,077 |
| Total interest expense | $10,832,000 | 1,606 |
| Net interest income | $6,210,000 | 2,933 |
| Provision for loan and lease losses | $633,000 | 2,540 |
| Total noninterest income | $425,000 | 6,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $425,000 | 3,555 |
| Total noninterest expense | $2,128,000 | 6,089 |
| Salaries and employee benefits | $1,204,000 | 5,142 |
| Premises and equipment expense | $239,000 | 6,988 |
| Additional noninterest expense | $685,000 | 6,852 |
| Pre-tax net operating income | $3,874,000 | 1,602 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,496,000 | 1,456 |
| Income before extraordinary items | $2,378,000 | 1,915 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,378,000 | 1,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 4,785 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,378,000 | 1,761 |
* 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.