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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$3,688K
Net Income
$47,830K
Net Profit Margin
1296.91%
EPS
$0.78
Unit: Thousand (K) dollars
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Page 1
Annual
123
Page 1
Income Statement
2025-12-31
2024-12-31
Service charges and fees on deposit accounts
3,688
3,561
Fhlb and frb stock dividends
2,353
-
Increase in cash surrender value of life insurance
2,213
2,097
Termination fees
435
177
Servicing income
302
365
Gain on sales of sba loans
215
473
Gain on proceeds from company owned life insurance
0
219
Other
2,883
1,856
Total noninterest income
12,089
8,748
Loans, including fees
196,823
182,983
Securities, taxable
26,451
20,817
Securities, exempt from federal tax
830
890
Other investments, interest-bearing deposits in other financial institutions and federal funds sold
32,895
38,009
Total interest income
256,999
242,699
Deposits
69,472
76,899
Short-term borrowings
0
-
Subordinated debt
2,152
2,152
Total interest expense
71,624
79,051
Net interest income before provision for credit losses on loans
185,375
163,648
Provision for credit losses on loans
1,816
2,139
Net interest income after provision for credit losses on loans
183,559
161,509
Salaries and employee benefits
66,537
63,952
Occupancy and equipment
9,944
10,226
Professional fees
6,233
5,416
Other
45,145
33,989
Total noninterest expense
127,859
113,583
Income before income taxes
67,789
56,674
Income tax expense
19,959
16,146
Net income
47,830
40,528
Basic EPS
0.78
0.66
Diluted EPS
0.78
0.66
Basic Average Shares
61,407,520
-
Diluted Average Shares
61,702,095
61,527,372
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS).
Page 1
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Time Plot
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Income Statement
Loans, including fees
$196,823K
(7.56%↑ Y/Y)
Other investments,
interest-bearing deposits in...
$32,895K
(-13.45%↓ Y/Y)
Securities, taxable
$26,451K
(27.06%↑ Y/Y)
Securities, exempt from
federal tax
$830K
(-6.74%↓ Y/Y)
Total interest income
$256,999K
(5.89%↑ Y/Y)
Net interest income
before provision for...
$185,375K
(13.28%↑ Y/Y)
Service charges and fees
on deposit...
$3,688K
(3.57%↑ Y/Y)
Other
$2,883K
(55.33%↑ Y/Y)
Fhlb and frb stock
dividends
$2,353K
Increase in cash
surrender value of life...
$2,213K
(5.53%↑ Y/Y)
Termination fees
$435K
(145.76%↑ Y/Y)
Servicing income
$302K
(-17.26%↓ Y/Y)
Gain on sales of sba
loans
$215K
(-54.55%↓ Y/Y)
Total interest
expense
$71,624K
(-9.40%↓ Y/Y)
Net interest income
after provision for...
$183,559K
(13.65%↑ Y/Y)
Total noninterest
income
$12,089K
(38.19%↑ Y/Y)
Provision for credit
losses on loans
$1,816K
(-15.10%↓ Y/Y)
Deposits
$69,472K
(-9.66%↓ Y/Y)
Subordinated debt
$2,152K
(0.00%↑ Y/Y)
Income before income
taxes
$67,789K
(19.61%↑ Y/Y)
Total noninterest
expense
$127,859K
(12.57%↑ Y/Y)
Net income
$47,830K
(18.02%↑ Y/Y)
Income tax expense
$19,959K
(23.62%↑ Y/Y)
Salaries and employee
benefits
$66,537K
(4.04%↑ Y/Y)
Other
$45,145K
(32.82%↑ Y/Y)
Occupancy and equipment
$9,944K
(-2.76%↓ Y/Y)
Professional fees
$6,233K
(15.08%↑ Y/Y)
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HERITAGE COMMERCE CORP (HTBK)
HERITAGE COMMERCE CORP (HTBK)