Home > The Heritage Bank of St. Joseph > Income and Expense
The Heritage Bank of St. Joseph, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,746,000 | 3,388 |
| Total interest expense | $3,101,000 | 3,454 |
| Net interest income | $5,645,000 | 3,303 |
| Provision for loan and lease losses | $4,000 | 8,000 |
| Total noninterest income | $1,699,000 | 2,407 |
| Gross Fiduciary activities income | $95,000 | 1,001 |
| Service charges on deposit accounts | $904,000 | 1,782 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $700,000 | 2,708 |
| Total noninterest expense | $4,169,000 | 3,448 |
| Salaries and employee benefits | $2,067,000 | 3,644 |
| Premises and equipment expense | $506,000 | 3,907 |
| Additional noninterest expense | $1,596,000 | 2,816 |
| Pre-tax net operating income | $3,171,000 | 2,372 |
| Securities gains (losses) | $595,000 | 598 |
| Applicable income taxes | $59,000 | 6,416 |
| Income before extraordinary items | $3,707,000 | 1,613 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,707,000 | 1,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,010 |
| Cash dividends | $2,000,000 | 1,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,123,900 | 1,859 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,703,000 | 3,403 |
| Total interest expense | $4,230,000 | 3,633 |
| Net interest income | $5,473,000 | 3,192 |
| Provision for loan and lease losses | $616,000 | 1,859 |
| Total noninterest income | $1,441,000 | 2,592 |
| Gross Fiduciary activities income | $243,000 | 787 |
| Service charges on deposit accounts | $845,000 | 1,798 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $353,000 | 3,798 |
| Total noninterest expense | $3,735,000 | 3,629 |
| Salaries and employee benefits | $1,883,000 | 3,764 |
| Premises and equipment expense | $487,000 | 3,968 |
| Additional noninterest expense | $1,365,000 | 3,129 |
| Pre-tax net operating income | $2,563,000 | 2,615 |
| Securities gains (losses) | $374,000 | 761 |
| Applicable income taxes | $108,000 | 5,918 |
| Income before extraordinary items | $2,829,000 | 1,861 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,829,000 | 1,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,657 |
| Cash dividends | $3,650,000 | 778 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,469,960 | 2,042 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,330,000 | 3,616 |
| Total interest expense | $4,282,000 | 3,766 |
| Net interest income | $5,048,000 | 3,434 |
| Provision for loan and lease losses | $85,000 | 5,634 |
| Total noninterest income | $1,304,000 | 2,596 |
| Gross Fiduciary activities income | $193,000 | 815 |
| Service charges on deposit accounts | $767,000 | 1,813 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $344,000 | 3,654 |
| Total noninterest expense | $3,402,000 | 3,810 |
| Salaries and employee benefits | $1,757,000 | 3,849 |
| Premises and equipment expense | $466,000 | 4,015 |
| Additional noninterest expense | $1,179,000 | 3,486 |
| Pre-tax net operating income | $2,865,000 | 2,479 |
| Securities gains (losses) | $-16,000 | 8,617 |
| Applicable income taxes | $91,000 | 6,628 |
| Income before extraordinary items | $2,758,000 | 1,887 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,758,000 | 1,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,170 |
| Cash dividends | $1,175,000 | 2,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,773,520 | 1,879 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,056,000 | 3,879 |
| Total interest expense | $3,615,000 | 3,931 |
| Net interest income | $4,441,000 | 3,831 |
| Provision for loan and lease losses | $-100,000 | 10,099 |
| Total noninterest income | $1,441,000 | 2,358 |
| Gross Fiduciary activities income | $223,000 | 842 |
| Service charges on deposit accounts | $776,000 | 1,707 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $442,000 | 3,199 |
| Total noninterest expense | $3,328,000 | 3,874 |
| Salaries and employee benefits | $1,610,000 | 4,104 |
| Premises and equipment expense | $472,000 | 3,974 |
| Additional noninterest expense | $1,246,000 | 3,314 |
| Pre-tax net operating income | $2,654,000 | 2,664 |
| Securities gains (losses) | $-17,000 | 9,494 |
| Applicable income taxes | $46,000 | 7,701 |
| Income before extraordinary items | $2,591,000 | 2,041 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,591,000 | 2,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $800,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,607,660 | 2,002 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,868,000 | 4,000 |
| Total interest expense | $3,516,000 | 4,110 |
| Net interest income | $4,352,000 | 3,847 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,386,000 | 2,409 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $892,000 | 1,406 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $494,000 | 3,006 |
| Total noninterest expense | $3,253,000 | 3,838 |
| Salaries and employee benefits | $1,666,000 | 3,908 |
| Premises and equipment expense | $470,000 | 3,872 |
| Additional noninterest expense | $1,117,000 | 3,578 |
| Pre-tax net operating income | $2,485,000 | 2,803 |
| Securities gains (losses) | $36,000 | 1,984 |
| Applicable income taxes | $147,000 | 6,882 |
| Income before extraordinary items | $2,374,000 | 2,203 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,374,000 | 2,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,340,160 | 2,156 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,359,000 | 4,327 |
| Total interest expense | $3,212,000 | 4,438 |
| Net interest income | $4,147,000 | 4,110 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $1,157,000 | 2,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $832,000 | 1,565 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $325,000 | 3,755 |
| Total noninterest expense | $3,155,000 | 3,935 |
| Salaries and employee benefits | $1,580,000 | 4,060 |
| Premises and equipment expense | $513,000 | 3,624 |
| Additional noninterest expense | $1,062,000 | 3,690 |
| Pre-tax net operating income | $2,089,000 | 3,391 |
| Securities gains (losses) | $-56,000 | 10,668 |
| Applicable income taxes | $327,000 | 5,489 |
| Income before extraordinary items | $1,706,000 | 2,980 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,706,000 | 2,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $1,150,000 | 1,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,753,040 | 2,851 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,849,000 | 4,663 |
| Total interest expense | $3,010,000 | 4,778 |
| Net interest income | $3,839,000 | 4,480 |
| Provision for loan and lease losses | $235,000 | 3,076 |
| Total noninterest income | $958,000 | 3,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $659,000 | 2,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $299,000 | 4,082 |
| Total noninterest expense | $3,044,000 | 4,263 |
| Salaries and employee benefits | $1,605,000 | 4,056 |
| Premises and equipment expense | $477,000 | 3,917 |
| Additional noninterest expense | $962,000 | 4,555 |
| Pre-tax net operating income | $1,518,000 | 4,300 |
| Securities gains (losses) | $51,000 | 1,313 |
| Applicable income taxes | $498,000 | 4,160 |
| Income before extraordinary items | $1,071,000 | 4,243 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,071,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 10,676 |
| Cash dividends | $364,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $-870,000 | 11,420 |
| Net operating income | $1,036,320 | 4,300 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,313,000 | 4,980 |
| Total interest expense | $2,742,000 | 5,155 |
| Net interest income | $3,571,000 | 4,773 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $835,000 | 3,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $588,000 | 2,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $247,000 | 4,518 |
| Total noninterest expense | $3,126,000 | 4,128 |
| Salaries and employee benefits | $1,554,000 | 4,162 |
| Premises and equipment expense | $445,000 | 4,148 |
| Additional noninterest expense | $1,127,000 | 3,952 |
| Pre-tax net operating income | $1,200,000 | 5,243 |
| Securities gains (losses) | $-86,000 | 11,426 |
| Applicable income taxes | $297,000 | 6,032 |
| Income before extraordinary items | $817,000 | 5,363 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $817,000 | 5,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $879,780 | 5,068 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,161,000 | 5,523 |
| Total interest expense | $2,025,000 | 5,566 |
| Net interest income | $3,136,000 | 5,425 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $652,000 | 4,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $520,000 | 2,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,618 |
| Total noninterest expense | $2,959,000 | 4,473 |
| Salaries and employee benefits | $1,366,000 | 4,672 |
| Premises and equipment expense | $421,000 | 4,395 |
| Additional noninterest expense | $1,172,000 | 4,132 |
| Pre-tax net operating income | $829,000 | 6,730 |
| Securities gains (losses) | $20,000 | 1,779 |
| Applicable income taxes | $173,000 | 7,862 |
| Income before extraordinary items | $676,000 | 6,048 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $676,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $140,000 | 6,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $660,000 | 6,219 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,740,000 | 6,045 |
| Total interest expense | $1,932,000 | 6,004 |
| Net interest income | $2,808,000 | 5,962 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $571,000 | 5,124 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $428,000 | 3,241 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,719 |
| Total noninterest expense | $2,712,000 | 4,908 |
| Salaries and employee benefits | $1,312,000 | 4,841 |
| Premises and equipment expense | $422,000 | 4,499 |
| Additional noninterest expense | $978,000 | 5,010 |
| Pre-tax net operating income | $667,000 | 7,532 |
| Securities gains (losses) | $57,000 | 3,212 |
| Applicable income taxes | $82,000 | 10,157 |
| Income before extraordinary items | $642,000 | 6,482 |
| Extraordinary gains, net | $54,000 | 2,110 |
| Net income | $696,000 | 6,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $770,000 | 2,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $591,270 | 6,604 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,925,000 | 6,464 |
| Total interest expense | $2,259,000 | 6,485 |
| Net interest income | $2,666,000 | 6,284 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $624,000 | 4,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $447,000 | 3,137 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 6,089 |
| Total noninterest expense | $2,355,000 | 5,577 |
| Salaries and employee benefits | $1,247,000 | 4,991 |
| Premises and equipment expense | $341,000 | 5,467 |
| Additional noninterest expense | $767,000 | 6,299 |
| Pre-tax net operating income | $935,000 | 5,922 |
| Securities gains (losses) | $44,000 | 4,339 |
| Applicable income taxes | $191,000 | 7,734 |
| Income before extraordinary items | $788,000 | 5,423 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $788,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $280,000 | 4,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $752,800 | 5,282 |
* 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.