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Banco Popular de Puerto Rico, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,348,000,000	52
Total interest expense	$605,000,000	58
Net interest income	$743,000,000	48
Provision for loan and lease losses	$116,000,000	41
Total noninterest income	$224,000,000	99
Gross Fiduciary activities income	$8,000,000	153
Service charges on deposit accounts	$94,000,000	41
Trading account gains and fees	$2,000,000	78
Additional Noninterest Income	$120,000,000	117
Total noninterest expense	$565,000,000	63
Salaries and employee benefits	$265,000,000	50
Premises and equipment expense	$107,000,000	40
Additional noninterest expense	$193,000,000	86
Pre-tax net operating income	$286,000,000	70
Securities gains (losses)	$2,000,000	231
Applicable income taxes	$65,000,000	95
Income before extraordinary items	$223,000,000	63
Extraordinary gains, net	$0	32
Net income	$223,000,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000,000	47
Cash dividends	$68,000,000	118
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$221,460,000	60
1997-12-31 (YTD Data)		Rank
Total interest income	$1,243,000,000	52
Total interest expense	$563,000,000	55
Net interest income	$680,000,000	50
Provision for loan and lease losses	$93,000,000	48
Total noninterest income	$219,000,000	83
Gross Fiduciary activities income	$7,000,000	168
Service charges on deposit accounts	$89,000,000	36
Trading account gains and fees	$2,000,000	71
Additional Noninterest Income	$121,000,000	95
Total noninterest expense	$549,000,000	53
Salaries and employee benefits	$265,000,000	45
Premises and equipment expense	$100,000,000	39
Additional noninterest expense	$184,000,000	71
Pre-tax net operating income	$257,000,000	70
Securities gains (losses)	$1,000,000	278
Applicable income taxes	$64,000,000	92
Income before extraordinary items	$194,000,000	60
Extraordinary gains, net	$0	44
Net income	$194,000,000	60
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000,000	49
Cash dividends	$53,000,000	120
Sale, conversion, retirement of capital stock, net	$62,000,000	16
Net operating income	$193,250,000	61
1996-12-31 (YTD Data)		Rank
Total interest income	$1,051,000,000	57
Total interest expense	$458,000,000	65
Net interest income	$593,000,000	56
Provision for loan and lease losses	$73,000,000	49
Total noninterest income	$187,000,000	94
Gross Fiduciary activities income	$7,000,000	183
Service charges on deposit accounts	$83,000,000	33
Trading account gains and fees	$0	262
Additional Noninterest Income	$97,000,000	110
Total noninterest expense	$488,000,000	59
Salaries and employee benefits	$246,000,000	44
Premises and equipment expense	$82,000,000	45
Additional noninterest expense	$160,000,000	93
Pre-tax net operating income	$219,000,000	73
Securities gains (losses)	$-4,000,000	11,442
Applicable income taxes	$55,000,000	105
Income before extraordinary items	$160,000,000	61
Extraordinary gains, net	$0	53
Net income	$160,000,000	61
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000,000	62
Cash dividends	$38,000,000	173
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$162,960,000	59
1995-12-31 (YTD Data)		Rank
Total interest income	$935,000,000	67
Total interest expense	$422,000,000	71
Net interest income	$513,000,000	58
Provision for loan and lease losses	$55,000,000	47
Total noninterest income	$152,000,000	101
Gross Fiduciary activities income	$4,000,000	256
Service charges on deposit accounts	$77,000,000	31
Trading account gains and fees	$1,000,000	131
Additional Noninterest Income	$70,000,000	127
Total noninterest expense	$440,000,000	65
Salaries and employee benefits	$225,000,000	46
Premises and equipment expense	$72,000,000	42
Additional noninterest expense	$143,000,000	93
Pre-tax net operating income	$170,000,000	88
Securities gains (losses)	$-1,000,000	11,870
Applicable income taxes	$40,000,000	134
Income before extraordinary items	$129,000,000	76
Extraordinary gains, net	$0	65
Net income	$129,000,000	76
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000,000	66
Cash dividends	$35,000,000	170
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$129,760,000	76
1994-12-31 (YTD Data)		Rank
Total interest income	$793,760,000	60
Total interest expense	$311,989,000	62
Net interest income	$481,771,000	59
Provision for loan and lease losses	$44,846,000	53
Total noninterest income	$132,113,000	102
Gross Fiduciary activities income	$4,227,000	243
Service charges on deposit accounts	$70,959,000	38
Trading account gains and fees	$227,000	183
Additional Noninterest Income	$56,700,000	129
Total noninterest expense	$414,440,000	69
Salaries and employee benefits	$207,145,000	48
Premises and equipment expense	$61,529,000	51
Additional noninterest expense	$145,766,000	95
Pre-tax net operating income	$154,598,000	89
Securities gains (losses)	$224,000	461
Applicable income taxes	$39,944,000	119
Income before extraordinary items	$114,878,000	78
Extraordinary gains, net	$0	249
Net income	$114,878,000	78
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,843,000	80
Cash dividends	$32,574,000	159
Sale, conversion, retirement of capital stock, net	$-11,000,000	12,599
Net operating income	$114,712,240	80
1993-12-31 (YTD Data)		Rank
Total interest income	$718,390,000	60
Total interest expense	$261,824,000	68
Net interest income	$456,566,000	56
Provision for loan and lease losses	$62,437,000	55
Total noninterest income	$119,261,000	109
Gross Fiduciary activities income	$3,589,000	272
Service charges on deposit accounts	$68,246,000	37
Trading account gains and fees	$554,000	161
Additional Noninterest Income	$46,872,000	136
Total noninterest expense	$390,721,000	68
Salaries and employee benefits	$202,994,000	46
Premises and equipment expense	$53,142,000	57
Additional noninterest expense	$134,585,000	97
Pre-tax net operating income	$122,669,000	94
Securities gains (losses)	$864,000	599
Applicable income taxes	$22,406,000	162
Income before extraordinary items	$101,127,000	88
Extraordinary gains, net	$5,185,000	62
Net income	$106,312,000	84
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,449,000	91
Cash dividends	$16,770,000	200
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$100,418,520	80
1992-12-31 (YTD Data)		Rank
Total interest income	$705,758,000	62
Total interest expense	$284,120,000	80
Net interest income	$421,638,000	56
Provision for loan and lease losses	$89,661,000	64
Total noninterest income	$116,741,000	102
Gross Fiduciary activities income	$4,403,000	236
Service charges on deposit accounts	$63,064,000	38
Trading account gains and fees	$383,000	186
Additional Noninterest Income	$48,891,000	132
Total noninterest expense	$347,130,000	71
Salaries and employee benefits	$178,680,000	46
Premises and equipment expense	$47,724,000	63
Additional noninterest expense	$120,726,000	94
Pre-tax net operating income	$101,588,000	87
Securities gains (losses)	$97,000	3,051
Applicable income taxes	$12,359,000	229
Income before extraordinary items	$89,326,000	75
Extraordinary gains, net	$0	1,422
Net income	$89,326,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,598,000	77
Cash dividends	$26,770,000	102
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$89,240,640	69

* 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.