Home > HomeTowne Heritage Bank > Income and Expense
HomeTowne Heritage Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,804,000 | 3,579 |
| Total interest expense | $2,135,000 | 3,108 |
| Net interest income | $3,669,000 | 3,774 |
| Provision for loan and lease losses | $480,000 | 1,726 |
| Total noninterest income | $244,000 | 6,472 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $144,000 | 5,398 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $100,000 | 6,083 |
| Total noninterest expense | $2,404,000 | 4,392 |
| Salaries and employee benefits | $1,431,000 | 4,078 |
| Premises and equipment expense | $287,000 | 4,868 |
| Additional noninterest expense | $686,000 | 4,528 |
| Pre-tax net operating income | $1,029,000 | 4,475 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $317,000 | 3,811 |
| Income before extraordinary items | $741,000 | 4,818 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $741,000 | 4,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $720,700 | 4,722 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,788,000 | 3,657 |
| Total interest expense | $1,424,000 | 3,212 |
| Net interest income | $2,364,000 | 3,868 |
| Provision for loan and lease losses | $375,000 | 1,474 |
| Total noninterest income | $146,000 | 6,697 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $93,000 | 5,436 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $53,000 | 6,477 |
| Total noninterest expense | $1,501,000 | 4,588 |
| Salaries and employee benefits | $869,000 | 4,356 |
| Premises and equipment expense | $182,000 | 5,012 |
| Additional noninterest expense | $450,000 | 4,599 |
| Pre-tax net operating income | $634,000 | 4,676 |
| Securities gains (losses) | $29,000 | 2,379 |
| Applicable income taxes | $202,000 | 3,952 |
| Income before extraordinary items | $461,000 | 5,015 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $461,000 | 5,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $440,700 | 4,943 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 3,779 |
| Total interest expense | $698,000 | 3,325 |
| Net interest income | $1,128,000 | 4,017 |
| Provision for loan and lease losses | $215,000 | 1,290 |
| Total noninterest income | $53,000 | 7,265 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $43,000 | 5,528 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $690,000 | 4,843 |
| Salaries and employee benefits | $392,000 | 4,676 |
| Premises and equipment expense | $89,000 | 5,083 |
| Additional noninterest expense | $209,000 | 4,798 |
| Pre-tax net operating income | $276,000 | 5,002 |
| Securities gains (losses) | $29,000 | 1,711 |
| Applicable income taxes | $97,000 | 3,988 |
| Income before extraordinary items | $208,000 | 5,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $208,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $188,280 | 5,275 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,281,000 | 4,424 |
| Total interest expense | $2,848,000 | 3,677 |
| Net interest income | $3,433,000 | 4,817 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $173,000 | 7,581 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $137,000 | 6,009 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 8,002 |
| Total noninterest expense | $2,513,000 | 5,077 |
| Salaries and employee benefits | $1,448,000 | 4,824 |
| Premises and equipment expense | $325,000 | 5,315 |
| Additional noninterest expense | $740,000 | 5,207 |
| Pre-tax net operating income | $693,000 | 6,116 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $107,000 | 5,901 |
| Income before extraordinary items | $587,000 | 6,023 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $587,000 | 6,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 769 |
| Net operating income | $586,150 | 5,885 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,293,000 | 5,427 |
| Total interest expense | $2,801,000 | 4,994 |
| Net interest income | $2,492,000 | 5,726 |
| Provision for loan and lease losses | $295,000 | 3,263 |
| Total noninterest income | $124,000 | 8,184 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $102,000 | 6,538 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $22,000 | 8,652 |
| Total noninterest expense | $1,906,000 | 5,920 |
| Salaries and employee benefits | $1,025,000 | 5,893 |
| Premises and equipment expense | $239,000 | 6,220 |
| Additional noninterest expense | $642,000 | 5,597 |
| Pre-tax net operating income | $415,000 | 6,907 |
| Securities gains (losses) | $44,000 | 2,476 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $459,000 | 6,260 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $459,000 | 6,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $415,000 | 6,368 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,478,000 | 6,957 |
| Total interest expense | $1,615,000 | 6,931 |
| Net interest income | $1,863,000 | 6,794 |
| Provision for loan and lease losses | $340,000 | 2,622 |
| Total noninterest income | $59,000 | 9,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 7,707 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,315 |
| Total noninterest expense | $1,542,000 | 6,635 |
| Salaries and employee benefits | $782,000 | 6,816 |
| Premises and equipment expense | $228,000 | 6,345 |
| Additional noninterest expense | $532,000 | 6,183 |
| Pre-tax net operating income | $40,000 | 8,992 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $40,000 | 8,994 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $40,000 | 8,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 784 |
| Net operating income | $40,000 | 8,979 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $807,000 | 9,767 |
| Total interest expense | $126,000 | 10,028 |
| Net interest income | $681,000 | 9,326 |
| Provision for loan and lease losses | $275,000 | 2,860 |
| Total noninterest income | $4,000 | 10,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $1,322,000 | 7,239 |
| Salaries and employee benefits | $868,000 | 6,461 |
| Premises and equipment expense | $114,000 | 8,350 |
| Additional noninterest expense | $340,000 | 7,794 |
| Pre-tax net operating income | $-912,000 | 10,043 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-912,000 | 10,068 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-912,000 | 10,068 |
| 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 | $13,661,000 | 49 |
| Net operating income | $-912,000 | 10,057 |
* 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.