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Ticker:HFWA
Company Name: Heritage Financial Corporation

Business Overview from 10-K filing for Heritage Financial Corporation:

Heritage Financial Corporation is a bank holding company incorporated in the State of Washington in August 1997. We were organized for the purpose of acquiring all of the capital stock of Heritage Savings Bank upon our reorganization from a mutual holding company form of organization to a stock holding company form of organization (“Conversion”). We are primarily engaged in the business of planning, directing and coordinating the business activities of our wholly owned subsidiaries: Heritage Bank and Central Valley Bank, N.A. Heritage Bank is a Washington state-chartered commercial bank whose deposits are insured by the Federal Deposit Insurance Corporation (“FDIC”) under the Savings Association Insurance Fund (“SAIF”) and the Bank Insurance Fund (“BIF”). During 2004, Heritage Bank changed its charter from a savings bank to a commercial bank.     

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