Home > Bank One, Delaware > Income and Expense

Bank One, Delaware, Income and Expense

2004-09-30 (YTD Data)		Rank
Total interest income	$354,524,000	110
Total interest expense	$50,245,000	169
Net interest income	$304,279,000	94
Provision for loan and lease losses	$364,676,000	13
Total noninterest income	$741,955,000	38
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$26,000	7,549
Trading account gains and fees	$0	134
Additional Noninterest Income	$741,929,000	31
Total noninterest expense	$721,468,000	46
Salaries and employee benefits	$145,310,000	80
Premises and equipment expense	$26,890,000	100
Additional noninterest expense	$549,268,000	28
Pre-tax net operating income	$-39,910,000	9,031
Securities gains (losses)	$-6,000	8,396
Applicable income taxes	$-17,093,000	9,019
Income before extraordinary items	$-22,823,000	9,022
Extraordinary gains, net	$0	26
Net income	$-22,823,000	9,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,567,000	27
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-22,819,160	9,017
2004-06-30 (YTD Data)		Rank
Total interest income	$558,760,000	58
Total interest expense	$206,718,000	45
Net interest income	$352,042,000	64
Provision for loan and lease losses	$101,152,000	25
Total noninterest income	$1,188,301,000	16
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$39,000	6,883
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,188,262,000	14
Total noninterest expense	$1,125,124,000	19
Salaries and employee benefits	$262,319,000	36
Premises and equipment expense	$53,842,000	50
Additional noninterest expense	$808,963,000	15
Pre-tax net operating income	$314,067,000	54
Securities gains (losses)	$50,000	1,460
Applicable income taxes	$118,217,000	48
Income before extraordinary items	$195,900,000	59
Extraordinary gains, net	$0	21
Net income	$195,900,000	59
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,352,000	29
Cash dividends	$200,000,000	31
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$195,868,000	56
2004-03-31 (YTD Data)		Rank
Total interest income	$281,155,000	57
Total interest expense	$106,152,000	42
Net interest income	$175,003,000	65
Provision for loan and lease losses	$55,618,000	23
Total noninterest income	$578,144,000	19
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$14,000	7,243
Trading account gains and fees	$0	121
Additional Noninterest Income	$578,130,000	17
Total noninterest expense	$537,710,000	21
Salaries and employee benefits	$125,805,000	37
Premises and equipment expense	$27,811,000	50
Additional noninterest expense	$384,094,000	16
Pre-tax net operating income	$159,819,000	48
Securities gains (losses)	$0	2,934
Applicable income taxes	$60,084,000	49
Income before extraordinary items	$99,735,000	52
Extraordinary gains, net	$0	16
Net income	$99,735,000	53
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,818,000	35
Cash dividends	$100,000,000	28
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$99,735,000	49
2003-12-31 (YTD Data)		Rank
Total interest income	$1,129,121,000	55
Total interest expense	$494,356,000	38
Net interest income	$634,765,000	67
Provision for loan and lease losses	$244,882,000	28
Total noninterest income	$2,302,821,000	18
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$20,000	7,840
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,302,801,000	15
Total noninterest expense	$1,944,930,000	23
Salaries and employee benefits	$494,345,000	38
Premises and equipment expense	$110,099,000	47
Additional noninterest expense	$1,340,486,000	16
Pre-tax net operating income	$747,774,000	45
Securities gains (losses)	$-4,957,000	9,168
Applicable income taxes	$279,150,000	40
Income before extraordinary items	$463,667,000	50
Extraordinary gains, net	$0	54
Net income	$463,667,000	50
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$228,882,000	30
Cash dividends	$500,000,000	33
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$466,839,480	47
2003-09-30 (YTD Data)		Rank
Total interest income	$840,892,000	55
Total interest expense	$384,811,000	36
Net interest income	$456,081,000	67
Provision for loan and lease losses	$187,975,000	27
Total noninterest income	$1,697,485,000	18
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$6,000	8,015
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,697,479,000	15
Total noninterest expense	$1,419,351,000	23
Salaries and employee benefits	$370,485,000	38
Premises and equipment expense	$79,749,000	49
Additional noninterest expense	$969,117,000	16
Pre-tax net operating income	$546,240,000	44
Securities gains (losses)	$-4,984,000	9,229
Applicable income taxes	$204,282,000	40
Income before extraordinary items	$336,974,000	50
Extraordinary gains, net	$0	40
Net income	$336,974,000	50
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$176,775,000	30
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$340,163,760	47
2003-06-30 (YTD Data)		Rank
Total interest income	$564,302,000	56
Total interest expense	$270,109,000	35
Net interest income	$294,193,000	69
Provision for loan and lease losses	$119,062,000	29
Total noninterest income	$1,111,037,000	19
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$0	8,133
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,111,037,000	15
Total noninterest expense	$915,420,000	24
Salaries and employee benefits	$246,436,000	38
Premises and equipment expense	$50,278,000	50
Additional noninterest expense	$618,706,000	17
Pre-tax net operating income	$370,748,000	43
Securities gains (losses)	$-4,984,000	9,267
Applicable income taxes	$138,152,000	39
Income before extraordinary items	$227,612,000	49
Extraordinary gains, net	$0	30
Net income	$227,612,000	49
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,062,000	29
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$230,801,760	46
2003-03-31 (YTD Data)		Rank
Total interest income	$284,480,000	55
Total interest expense	$143,090,000	35
Net interest income	$141,390,000	69
Provision for loan and lease losses	$57,437,000	30
Total noninterest income	$535,585,000	21
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$0	8,142
Trading account gains and fees	$0	134
Additional Noninterest Income	$535,585,000	17
Total noninterest expense	$443,198,000	24
Salaries and employee benefits	$122,415,000	38
Premises and equipment expense	$22,869,000	57
Additional noninterest expense	$297,914,000	16
Pre-tax net operating income	$176,340,000	44
Securities gains (losses)	$0	2,891
Applicable income taxes	$66,497,000	44
Income before extraordinary items	$109,843,000	49
Extraordinary gains, net	$0	21
Net income	$109,843,000	49
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,437,000	28
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$109,843,000	45
2002-12-31 (YTD Data)		Rank
Total interest income	$1,062,382,000	58
Total interest expense	$616,634,000	37
Net interest income	$445,748,000	77
Provision for loan and lease losses	$162,867,000	41
Total noninterest income	$2,537,658,000	16
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$0	8,205
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,537,658,000	13
Total noninterest expense	$2,141,817,000	19
Salaries and employee benefits	$487,759,000	35
Premises and equipment expense	$122,312,000	38
Additional noninterest expense	$1,531,746,000	16
Pre-tax net operating income	$678,722,000	42
Securities gains (losses)	$58,000	2,273
Applicable income taxes	$257,531,000	41
Income before extraordinary items	$421,249,000	47
Extraordinary gains, net	$0	70
Net income	$421,249,000	46
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,661,000	42
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$421,211,880	43
2001-12-31 (YTD Data)		Rank
Total interest income	$1,039,362,000	70
Total interest expense	$766,743,000	50
Net interest income	$272,619,000	118
Provision for loan and lease losses	$107,596,000	62
Total noninterest income	$2,486,674,000	16
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$2,920,000	513
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,483,754,000	11
Total noninterest expense	$2,247,071,000	18
Salaries and employee benefits	$550,209,000	30
Premises and equipment expense	$248,210,000	20
Additional noninterest expense	$1,448,652,000	16
Pre-tax net operating income	$404,626,000	56
Securities gains (losses)	$873,000	427
Applicable income taxes	$154,248,000	57
Income before extraordinary items	$251,251,000	61
Extraordinary gains, net	$0	105
Net income	$251,251,000	61
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,527,000	60
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$250,692,280	59
2000-12-31 (YTD Data)		Rank
Total interest income	$1,225,816,000	67
Total interest expense	$929,605,000	48
Net interest income	$296,211,000	114
Provision for loan and lease losses	$104,723,000	57
Total noninterest income	$2,675,482,000	13
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$2,811,000	484
Trading account gains and fees	$117,000	121
Additional Noninterest Income	$2,672,554,000	11
Total noninterest expense	$3,033,319,000	9
Salaries and employee benefits	$532,027,000	33
Premises and equipment expense	$220,327,000	23
Additional noninterest expense	$2,280,965,000	8
Pre-tax net operating income	$-166,349,000	9,917
Securities gains (losses)	$-3,005,000	9,817
Applicable income taxes	$-71,247,000	9,902
Income before extraordinary items	$-98,107,000	9,899
Extraordinary gains, net	$0	38
Net income	$-98,107,000	9,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,663,000	56
Cash dividends	$250,000,000	42
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-96,183,800	9,899
1999-12-31 (YTD Data)		Rank
Total interest income	$1,496,453,000	50
Total interest expense	$788,148,000	45
Net interest income	$708,305,000	55
Provision for loan and lease losses	$87,710,000	48
Total noninterest income	$3,925,393,000	7
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$717,000	1,854
Trading account gains and fees	$0	173
Additional Noninterest Income	$3,924,676,000	5
Total noninterest expense	$3,463,856,000	9
Salaries and employee benefits	$686,179,000	21
Premises and equipment expense	$194,823,000	22
Additional noninterest expense	$2,582,854,000	5
Pre-tax net operating income	$1,082,132,000	17
Securities gains (losses)	$3,781,000	82
Applicable income taxes	$405,594,000	18
Income before extraordinary items	$680,319,000	17
Extraordinary gains, net	$0	35
Net income	$680,319,000	17
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,038,000	46
Cash dividends	$1,525,000,000	5
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$677,899,160	17
1998-12-31 (YTD Data)		Rank
Total interest income	$1,199,096,000	61
Total interest expense	$458,911,000	79
Net interest income	$740,185,000	49
Provision for loan and lease losses	$249,945,000	22
Total noninterest income	$1,090,957,000	26
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,090,957,000	19
Total noninterest expense	$663,000,000	55
Salaries and employee benefits	$133,603,000	88
Premises and equipment expense	$35,541,000	101
Additional noninterest expense	$493,856,000	33
Pre-tax net operating income	$918,197,000	17
Securities gains (losses)	$0	4,449
Applicable income taxes	$349,253,000	17
Income before extraordinary items	$568,944,000	18
Extraordinary gains, net	$0	32
Net income	$568,944,000	18
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$441,945,000	11
Cash dividends	$560,004,000	14
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$568,944,000	18
1997-12-31 (YTD Data)		Rank
Total interest income	$1,214,618,000	53
Total interest expense	$457,578,000	76
Net interest income	$757,040,000	46
Provision for loan and lease losses	$599,851,000	7
Total noninterest income	$846,436,000	26
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	$0	239
Additional Noninterest Income	$846,436,000	16
Total noninterest expense	$582,115,000	52
Salaries and employee benefits	$140,428,000	80
Premises and equipment expense	$32,262,000	105
Additional noninterest expense	$409,425,000	33
Pre-tax net operating income	$421,510,000	43
Securities gains (losses)	$0	3,944
Applicable income taxes	$162,897,000	42
Income before extraordinary items	$258,613,000	46
Extraordinary gains, net	$0	44
Net income	$258,613,000	46
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$599,851,000	5
Cash dividends	$100,002,000	80
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$258,613,000	45
1996-12-31 (YTD Data)		Rank
Total interest income	$1,261,866,000	45
Total interest expense	$492,934,000	61
Net interest income	$768,932,000	37
Provision for loan and lease losses	$575,710,000	3
Total noninterest income	$791,692,000	22
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	$0	262
Additional Noninterest Income	$791,692,000	14
Total noninterest expense	$567,323,000	51
Salaries and employee benefits	$124,960,000	91
Premises and equipment expense	$25,991,000	134
Additional noninterest expense	$416,372,000	33
Pre-tax net operating income	$417,591,000	32
Securities gains (losses)	$0	4,148
Applicable income taxes	$159,612,000	27
Income before extraordinary items	$257,979,000	37
Extraordinary gains, net	$0	53
Net income	$257,979,000	36
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$522,166,000	3
Cash dividends	$160,004,000	49
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$257,979,000	36
1995-12-31 (YTD Data)		Rank
Total interest income	$807,967,000	75
Total interest expense	$353,533,000	92
Net interest income	$454,434,000	65
Provision for loan and lease losses	$281,981,000	11
Total noninterest income	$845,055,000	18
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$0	10,339
Trading account gains and fees	$0	522
Additional Noninterest Income	$845,055,000	11
Total noninterest expense	$519,802,000	51
Salaries and employee benefits	$102,089,000	110
Premises and equipment expense	$25,165,000	139
Additional noninterest expense	$392,548,000	32
Pre-tax net operating income	$497,706,000	23
Securities gains (losses)	$0	3,831
Applicable income taxes	$188,914,000	20
Income before extraordinary items	$308,792,000	24
Extraordinary gains, net	$0	65
Net income	$308,792,000	23
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$194,223,000	15
Cash dividends	$250,005,000	23
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$308,792,000	25
1994-12-31 (YTD Data)		Rank
Total interest income	$655,932,000	71
Total interest expense	$226,251,000	102
Net interest income	$429,681,000	61
Provision for loan and lease losses	$163,121,000	13
Total noninterest income	$868,255,000	16
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$0	10,872
Trading account gains and fees	$0	475
Additional Noninterest Income	$868,255,000	10
Total noninterest expense	$498,312,000	54
Salaries and employee benefits	$87,595,000	121
Premises and equipment expense	$22,592,000	151
Additional noninterest expense	$388,125,000	25
Pre-tax net operating income	$636,503,000	13
Securities gains (losses)	$0	3,600
Applicable income taxes	$243,310,000	13
Income before extraordinary items	$393,193,000	14
Extraordinary gains, net	$0	249
Net income	$393,193,000	14
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$151,332,000	17
Cash dividends	$178,003,000	29
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$393,193,000	14
1993-12-31 (YTD Data)		Rank
Total interest income	$525,782,000	88
Total interest expense	$152,937,000	128
Net interest income	$372,845,000	72
Provision for loan and lease losses	$-9,104,000	13,273
Total noninterest income	$659,094,000	18
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$0	11,351
Trading account gains and fees	$0	532
Additional Noninterest Income	$659,094,000	13
Total noninterest expense	$418,887,000	63
Salaries and employee benefits	$74,637,000	127
Premises and equipment expense	$16,313,000	195
Additional noninterest expense	$327,937,000	32
Pre-tax net operating income	$622,156,000	11
Securities gains (losses)	$0	7,477
Applicable income taxes	$236,188,000	10
Income before extraordinary items	$385,968,000	14
Extraordinary gains, net	$0	3,149
Net income	$385,968,000	13
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,060,000	38
Cash dividends	$100,002,000	48
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$385,968,000	12
1992-12-31 (YTD Data)		Rank
Total interest income	$435,429,000	114
Total interest expense	$167,822,000	147
Net interest income	$267,607,000	96
Provision for loan and lease losses	$150,911,000	28
Total noninterest income	$428,854,000	20
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$0	11,764
Trading account gains and fees	$0	504
Additional Noninterest Income	$428,854,000	15
Total noninterest expense	$358,794,000	70
Salaries and employee benefits	$63,233,000	143
Premises and equipment expense	$15,775,000	198
Additional noninterest expense	$279,786,000	36
Pre-tax net operating income	$186,756,000	43
Securities gains (losses)	$0	8,369
Applicable income taxes	$72,331,000	36
Income before extraordinary items	$114,425,000	52
Extraordinary gains, net	$-12,620,000	13,925
Net income	$101,805,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,519,000	55
Cash dividends	$56,003,000	47
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$114,425,000	49

* 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.