Home > Heritage Savings Bank, FSB > Income and Expense
Heritage Savings Bank, FSB, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,282,000 | 3,005 |
| Total interest expense | $7,626,000 | 2,108 |
| Net interest income | $3,656,000 | 4,429 |
| Provision for loan and lease losses | $14,000 | 7,788 |
| Total noninterest income | $259,000 | 6,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $259,000 | 4,419 |
| Total noninterest expense | $3,136,000 | 4,190 |
| Salaries and employee benefits | $2,098,000 | 3,457 |
| Premises and equipment expense | $445,000 | 4,267 |
| Additional noninterest expense | $593,000 | 5,880 |
| Pre-tax net operating income | $765,000 | 5,606 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $304,000 | 4,234 |
| Income before extraordinary items | $461,000 | 6,250 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $461,000 | 6,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,614 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $461,000 | 6,130 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,396,000 | 3,025 |
| Total interest expense | $7,451,000 | 2,279 |
| Net interest income | $3,945,000 | 4,227 |
| Provision for loan and lease losses | $129,000 | 4,715 |
| Total noninterest income | $264,000 | 6,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $264,000 | 4,193 |
| Total noninterest expense | $2,754,000 | 4,524 |
| Salaries and employee benefits | $1,719,000 | 3,917 |
| Premises and equipment expense | $432,000 | 4,255 |
| Additional noninterest expense | $603,000 | 5,770 |
| Pre-tax net operating income | $1,326,000 | 4,437 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $522,000 | 3,395 |
| Income before extraordinary items | $804,000 | 5,037 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $804,000 | 5,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,329 |
| Cash dividends | $2,000,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $804,000 | 5,032 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,635,000 | 3,038 |
| Total interest expense | $6,681,000 | 2,207 |
| Net interest income | $3,954,000 | 4,214 |
| Provision for loan and lease losses | $82,000 | 5,624 |
| Total noninterest income | $238,000 | 7,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $238,000 | 4,546 |
| Total noninterest expense | $2,621,000 | 4,699 |
| Salaries and employee benefits | $1,675,000 | 3,975 |
| Premises and equipment expense | $357,000 | 4,899 |
| Additional noninterest expense | $589,000 | 5,900 |
| Pre-tax net operating income | $1,489,000 | 4,114 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $606,000 | 3,201 |
| Income before extraordinary items | $883,000 | 4,798 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $883,000 | 4,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,486 |
| Cash dividends | $2,000,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $883,000 | 4,756 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,210,000 | 3,469 |
| Total interest expense | $5,327,000 | 2,827 |
| Net interest income | $3,883,000 | 4,225 |
| Provision for loan and lease losses | $160,000 | 4,005 |
| Total noninterest income | $257,000 | 6,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $257,000 | 4,361 |
| Total noninterest expense | $2,749,000 | 4,444 |
| Salaries and employee benefits | $1,790,000 | 3,688 |
| Premises and equipment expense | $333,000 | 5,056 |
| Additional noninterest expense | $626,000 | 5,584 |
| Pre-tax net operating income | $1,231,000 | 4,807 |
| Securities gains (losses) | $-6,000 | 10,112 |
| Applicable income taxes | $490,000 | 3,894 |
| Income before extraordinary items | $735,000 | 5,464 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $735,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,009 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $738,840 | 5,342 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,227,000 | 4,372 |
| Total interest expense | $3,867,000 | 3,804 |
| Net interest income | $3,360,000 | 4,871 |
| Provision for loan and lease losses | $85,000 | 5,536 |
| Total noninterest income | $213,000 | 7,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $213,000 | 4,817 |
| Total noninterest expense | $2,551,000 | 4,712 |
| Salaries and employee benefits | $1,665,000 | 3,897 |
| Premises and equipment expense | $279,000 | 5,671 |
| Additional noninterest expense | $607,000 | 5,758 |
| Pre-tax net operating income | $937,000 | 6,028 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $396,000 | 4,911 |
| Income before extraordinary items | $541,000 | 6,733 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $541,000 | 6,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,810 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $541,000 | 6,675 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,611,000 | 4,803 |
| Total interest expense | $3,522,000 | 4,176 |
| Net interest income | $3,089,000 | 5,324 |
| Provision for loan and lease losses | $71,000 | 5,818 |
| Total noninterest income | $489,000 | 5,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $489,000 | 2,970 |
| Total noninterest expense | $2,738,000 | 4,646 |
| Salaries and employee benefits | $1,109,000 | 5,554 |
| Premises and equipment expense | $292,000 | 5,694 |
| Additional noninterest expense | $1,337,000 | 3,440 |
| Pre-tax net operating income | $769,000 | 6,617 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $474,000 | 4,326 |
| Income before extraordinary items | $295,000 | 8,467 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $295,000 | 8,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $295,000 | 8,408 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,208,000 | 5,052 |
| Total interest expense | $3,465,000 | 4,194 |
| Net interest income | $2,743,000 | 5,901 |
| Provision for loan and lease losses | $35,000 | 6,883 |
| Total noninterest income | $223,000 | 8,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $223,000 | 4,811 |
| Total noninterest expense | $1,936,000 | 6,135 |
| Salaries and employee benefits | $1,022,000 | 5,951 |
| Premises and equipment expense | $293,000 | 5,735 |
| Additional noninterest expense | $621,000 | 6,398 |
| Pre-tax net operating income | $995,000 | 6,023 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $400,000 | 4,957 |
| Income before extraordinary items | $595,000 | 6,643 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $595,000 | 6,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $595,000 | 6,625 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,697,000 | 5,091 |
| Total interest expense | $2,955,000 | 4,015 |
| Net interest income | $2,742,000 | 6,023 |
| Provision for loan and lease losses | $68,000 | 5,388 |
| Total noninterest income | $197,000 | 8,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $197,000 | 5,329 |
| Total noninterest expense | $1,921,000 | 6,402 |
| Salaries and employee benefits | $1,011,000 | 6,039 |
| Premises and equipment expense | $284,000 | 5,952 |
| Additional noninterest expense | $626,000 | 6,842 |
| Pre-tax net operating income | $950,000 | 6,170 |
| Securities gains (losses) | $-68,000 | 11,275 |
| Applicable income taxes | $345,000 | 5,334 |
| Income before extraordinary items | $537,000 | 7,027 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $537,000 | 7,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $580,520 | 6,746 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,474,000 | 5,356 |
| Total interest expense | $2,846,000 | 4,302 |
| Net interest income | $2,628,000 | 6,302 |
| Provision for loan and lease losses | $27,000 | 8,602 |
| Total noninterest income | $249,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $249,000 | 5,015 |
| Total noninterest expense | $1,871,000 | 6,698 |
| Salaries and employee benefits | $1,013,000 | 6,053 |
| Premises and equipment expense | $304,000 | 5,786 |
| Additional noninterest expense | $554,000 | 7,731 |
| Pre-tax net operating income | $979,000 | 5,978 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $327,000 | 5,764 |
| Income before extraordinary items | $652,000 | 6,412 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $652,000 | 6,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $652,000 | 6,172 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,878,000 | 5,583 |
| Total interest expense | $3,401,000 | 4,658 |
| Net interest income | $2,477,000 | 6,654 |
| Provision for loan and lease losses | $3,000 | 11,629 |
| Total noninterest income | $305,000 | 7,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $305,000 | 4,373 |
| Total noninterest expense | $1,849,000 | 6,801 |
| Salaries and employee benefits | $1,033,000 | 5,859 |
| Premises and equipment expense | $301,000 | 5,952 |
| Additional noninterest expense | $515,000 | 8,307 |
| Pre-tax net operating income | $930,000 | 5,946 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $354,000 | 5,302 |
| Income before extraordinary items | $573,000 | 6,756 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $573,000 | 6,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $574,920 | 6,402 |
* 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.