Home > The Heritage Bank of Harrison County, Inc. > Income and Expense
The Heritage Bank of Harrison County, Inc., Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,127,000 | 8,529 |
| Total interest expense | $1,155,000 | 8,017 |
| Net interest income | $972,000 | 8,861 |
| Provision for loan and lease losses | $89,000 | 5,400 |
| Total noninterest income | $202,000 | 7,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 8,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,083 |
| Total noninterest expense | $1,157,000 | 7,663 |
| Salaries and employee benefits | $666,000 | 7,396 |
| Premises and equipment expense | $90,000 | 8,926 |
| Additional noninterest expense | $401,000 | 7,210 |
| Pre-tax net operating income | $-72,000 | 9,898 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $-26,000 | 10,077 |
| Income before extraordinary items | $-45,000 | 9,901 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-45,000 | 9,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $806,000 | 495 |
| Net operating income | $-45,640 | 9,861 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,288,000 | 9,947 |
| Total interest expense | $794,000 | 9,283 |
| Net interest income | $494,000 | 10,381 |
| Provision for loan and lease losses | $148,000 | 4,189 |
| Total noninterest income | $242,000 | 7,316 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 9,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,529 |
| Total noninterest expense | $990,000 | 8,380 |
| Salaries and employee benefits | $503,000 | 8,587 |
| Premises and equipment expense | $132,000 | 8,186 |
| Additional noninterest expense | $355,000 | 7,755 |
| Pre-tax net operating income | $-402,000 | 10,700 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $-190,000 | 10,786 |
| Income before extraordinary items | $-210,000 | 10,618 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-210,000 | 10,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-211,280 | 10,592 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $284,000 | 11,354 |
| Total interest expense | $86,000 | 11,341 |
| Net interest income | $198,000 | 11,335 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $8,000 | 11,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,116 |
| Total noninterest expense | $649,000 | 9,994 |
| Salaries and employee benefits | $295,000 | 10,389 |
| Premises and equipment expense | $154,000 | 7,965 |
| Additional noninterest expense | $200,000 | 9,934 |
| Pre-tax net operating income | $-488,000 | 11,232 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-215,000 | 11,277 |
| Income before extraordinary items | $-273,000 | 11,159 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-273,000 | 11,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,007,000 | 185 |
| Net operating income | $-273,000 | 11,125 |
* 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.