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	376,612	Commercial Lending Specialization

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

Total Assets	30,488	Total Operating Income	1,345
Total Liabilities	5,867	Total Operating Expenses	407
Total Equity Capital	24,621	Equity in Undistributed Income	417
		Net income (loss)	1,355

Miscellaneous
Cash Dividends Declared by Bank Holding Company	681
Total Consolidated Assets of Bank Holding Company	376,740

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