Home > Heritage National Bank > Income and Expense
Heritage National Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $29,010,000 | 1,120 |
| Total interest expense | $12,319,000 | 1,267 |
| Net interest income | $16,691,000 | 1,012 |
| Provision for loan and lease losses | $650,000 | 1,395 |
| Total noninterest income | $2,184,000 | 1,706 |
| Gross Fiduciary activities income | $966,000 | 472 |
| Service charges on deposit accounts | $634,000 | 2,024 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $584,000 | 2,686 |
| Total noninterest expense | $10,529,000 | 1,258 |
| Salaries and employee benefits | $5,677,000 | 1,156 |
| Premises and equipment expense | $1,408,000 | 1,387 |
| Additional noninterest expense | $3,444,000 | 1,287 |
| Pre-tax net operating income | $7,696,000 | 997 |
| Securities gains (losses) | $-563,000 | 10,444 |
| Applicable income taxes | $1,784,000 | 1,401 |
| Income before extraordinary items | $5,349,000 | 1,007 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,349,000 | 1,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,246 |
| Cash dividends | $3,550,000 | 852 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,771,250 | 908 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $27,150,000 | 1,238 |
| Total interest expense | $10,628,000 | 1,467 |
| Net interest income | $16,522,000 | 1,065 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $2,071,000 | 1,715 |
| Gross Fiduciary activities income | $875,000 | 507 |
| Service charges on deposit accounts | $690,000 | 1,889 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $506,000 | 2,800 |
| Total noninterest expense | $10,141,000 | 1,306 |
| Salaries and employee benefits | $5,273,000 | 1,247 |
| Premises and equipment expense | $1,532,000 | 1,278 |
| Additional noninterest expense | $3,336,000 | 1,318 |
| Pre-tax net operating income | $8,272,000 | 995 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $2,388,000 | 1,139 |
| Income before extraordinary items | $5,885,000 | 940 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,885,000 | 941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,507 |
| Cash dividends | $2,275,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,884,290 | 912 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,116,000 | 1,417 |
| Total interest expense | $8,814,000 | 1,782 |
| Net interest income | $15,302,000 | 1,180 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $1,872,000 | 1,948 |
| Gross Fiduciary activities income | $781,000 | 580 |
| Service charges on deposit accounts | $670,000 | 2,016 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $421,000 | 3,296 |
| Total noninterest expense | $10,045,000 | 1,428 |
| Salaries and employee benefits | $5,115,000 | 1,313 |
| Premises and equipment expense | $1,628,000 | 1,261 |
| Additional noninterest expense | $3,302,000 | 1,588 |
| Pre-tax net operating income | $6,949,000 | 1,079 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,995,000 | 1,233 |
| Income before extraordinary items | $4,954,000 | 1,053 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,954,000 | 1,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,986 |
| Cash dividends | $3,550,000 | 837 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,954,000 | 1,036 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,328,000 | 1,471 |
| Total interest expense | $8,769,000 | 1,803 |
| Net interest income | $14,559,000 | 1,239 |
| Provision for loan and lease losses | $310,000 | 2,226 |
| Total noninterest income | $1,617,000 | 2,165 |
| Gross Fiduciary activities income | $683,000 | 648 |
| Service charges on deposit accounts | $679,000 | 1,986 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $255,000 | 4,421 |
| Total noninterest expense | $10,928,000 | 1,305 |
| Salaries and employee benefits | $4,978,000 | 1,330 |
| Premises and equipment expense | $1,680,000 | 1,236 |
| Additional noninterest expense | $4,270,000 | 1,271 |
| Pre-tax net operating income | $4,938,000 | 1,532 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $1,537,000 | 1,621 |
| Income before extraordinary items | $3,391,000 | 1,508 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,391,000 | 1,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,482 |
| Cash dividends | $2,565,000 | 1,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,397,900 | 1,484 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,395,000 | 2,010 |
| Total interest expense | $5,222,000 | 2,363 |
| Net interest income | $10,173,000 | 1,775 |
| Provision for loan and lease losses | $425,000 | 1,738 |
| Total noninterest income | $1,125,000 | 2,856 |
| Gross Fiduciary activities income | $472,000 | 753 |
| Service charges on deposit accounts | $473,000 | 2,918 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $180,000 | 5,611 |
| Total noninterest expense | $7,347,000 | 1,951 |
| Salaries and employee benefits | $3,783,000 | 1,784 |
| Premises and equipment expense | $1,223,000 | 1,693 |
| Additional noninterest expense | $2,341,000 | 2,265 |
| Pre-tax net operating income | $3,526,000 | 2,026 |
| Securities gains (losses) | $46,000 | 1,207 |
| Applicable income taxes | $1,021,000 | 2,191 |
| Income before extraordinary items | $2,551,000 | 1,908 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,551,000 | 1,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $1,230,000 | 1,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,518,340 | 1,934 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,294,000 | 2,054 |
| Total interest expense | $5,310,000 | 2,437 |
| Net interest income | $9,984,000 | 1,798 |
| Provision for loan and lease losses | $600,000 | 1,833 |
| Total noninterest income | $1,088,000 | 3,133 |
| Gross Fiduciary activities income | $434,000 | 813 |
| Service charges on deposit accounts | $508,000 | 2,744 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $146,000 | 6,644 |
| Total noninterest expense | $6,860,000 | 2,131 |
| Salaries and employee benefits | $3,500,000 | 1,911 |
| Premises and equipment expense | $1,171,000 | 1,795 |
| Additional noninterest expense | $2,189,000 | 2,528 |
| Pre-tax net operating income | $3,612,000 | 1,890 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $999,000 | 2,262 |
| Income before extraordinary items | $2,623,000 | 1,907 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,623,000 | 1,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 5,115 |
| Cash dividends | $1,200,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,615,800 | 1,801 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,107,000 | 2,197 |
| Total interest expense | $6,725,000 | 2,509 |
| Net interest income | $9,382,000 | 1,945 |
| Provision for loan and lease losses | $480,000 | 3,089 |
| Total noninterest income | $1,050,000 | 3,187 |
| Gross Fiduciary activities income | $401,000 | 842 |
| Service charges on deposit accounts | $475,000 | 2,928 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $174,000 | 6,145 |
| Total noninterest expense | $6,544,000 | 2,241 |
| Salaries and employee benefits | $3,217,000 | 2,044 |
| Premises and equipment expense | $1,111,000 | 1,900 |
| Additional noninterest expense | $2,216,000 | 2,570 |
| Pre-tax net operating income | $3,408,000 | 1,819 |
| Securities gains (losses) | $24,000 | 5,342 |
| Applicable income taxes | $1,029,000 | 2,056 |
| Income before extraordinary items | $2,403,000 | 1,889 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,403,000 | 1,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 3,122 |
| Cash dividends | $1,200,000 | 1,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,386,200 | 1,750 |
* 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.