HERITAGE BANCSHARES, INC. Financial Reports

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:· HERITAGE BANCSHARES, INC.

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HERITAGE BANCSHARES, INC.

Institution Profile

Year Opened :

1994

Institution Type :

Holding Company

Reserve District :

Richmond

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

Yes

External Auditor :

S.R. Snodgrass P.C.

Related Bank / Thrift	Assets	Asset Concentration
First Exchange Bank	385,862	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	28,944	Total Operating Income	1,340
Total Liabilities	5,825	Total Operating Expenses	525
Total Equity Capital	23,119	Equity in Undistributed Income	728
		Net income (loss)	1,543

Miscellaneous
Cash Dividends Declared by Bank Holding Company	507
Total Consolidated Assets of Bank Holding Company	382,221

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury