Home > Heritage National Bank > Income and Expense
Heritage National Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,419,000 | 4,906 |
| Total interest expense | $2,825,000 | 5,034 |
| Net interest income | $3,594,000 | 4,738 |
| Provision for loan and lease losses | $165,000 | 3,441 |
| Total noninterest income | $498,000 | 5,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $295,000 | 4,038 |
| Total noninterest expense | $2,810,000 | 4,527 |
| Salaries and employee benefits | $1,445,000 | 4,434 |
| Premises and equipment expense | $481,000 | 3,880 |
| Additional noninterest expense | $884,000 | 4,835 |
| Pre-tax net operating income | $1,117,000 | 5,542 |
| Securities gains (losses) | $14,000 | 2,143 |
| Applicable income taxes | $398,000 | 4,964 |
| Income before extraordinary items | $733,000 | 5,801 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $733,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $723,900 | 5,830 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,200,000 | 5,488 |
| Total interest expense | $1,992,000 | 5,633 |
| Net interest income | $3,208,000 | 5,312 |
| Provision for loan and lease losses | $4,000 | 8,908 |
| Total noninterest income | $439,000 | 5,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,408 |
| Total noninterest expense | $2,758,000 | 4,748 |
| Salaries and employee benefits | $1,402,000 | 4,558 |
| Premises and equipment expense | $437,000 | 4,265 |
| Additional noninterest expense | $919,000 | 5,088 |
| Pre-tax net operating income | $885,000 | 6,464 |
| Securities gains (losses) | $59,000 | 1,053 |
| Applicable income taxes | $301,000 | 5,865 |
| Income before extraordinary items | $643,000 | 6,263 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $643,000 | 6,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $53,000 | 7,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $602,880 | 6,572 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,829,000 | 5,954 |
| Total interest expense | $1,896,000 | 6,101 |
| Net interest income | $2,933,000 | 5,757 |
| Provision for loan and lease losses | $54,000 | 7,292 |
| Total noninterest income | $711,000 | 4,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $547,000 | 3,070 |
| Total noninterest expense | $2,460,000 | 5,350 |
| Salaries and employee benefits | $1,325,000 | 4,795 |
| Premises and equipment expense | $350,000 | 5,236 |
| Additional noninterest expense | $785,000 | 6,011 |
| Pre-tax net operating income | $1,130,000 | 5,414 |
| Securities gains (losses) | $14,000 | 5,105 |
| Applicable income taxes | $444,000 | 4,631 |
| Income before extraordinary items | $700,000 | 6,111 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $700,000 | 6,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 5,334 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $691,040 | 5,902 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 7,440 |
| Total interest expense | $1,912,000 | 7,318 |
| Net interest income | $2,137,000 | 7,399 |
| Provision for loan and lease losses | $159,000 | 5,935 |
| Total noninterest income | $147,000 | 10,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 8,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $1,792,000 | 6,973 |
| Salaries and employee benefits | $835,000 | 7,026 |
| Premises and equipment expense | $362,000 | 5,215 |
| Additional noninterest expense | $595,000 | 7,557 |
| Pre-tax net operating income | $333,000 | 9,840 |
| Securities gains (losses) | $45,000 | 4,303 |
| Applicable income taxes | $142,000 | 8,837 |
| Income before extraordinary items | $236,000 | 10,083 |
| Extraordinary gains, net | $70,000 | 889 |
| Net income | $306,000 | 9,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 6,617 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $207,200 | 10,158 |
* 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.