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Household Bank (Nevada), Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$205,765,000	230
Total interest expense	$60,901,000	329
Net interest income	$144,864,000	186
Provision for loan and lease losses	$77,283,000	78
Total noninterest income	$160,792,000	120
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$0	8,399
Trading account gains and fees	$0	177
Additional Noninterest Income	$160,792,000	94
Total noninterest expense	$232,596,000	127
Salaries and employee benefits	$35,361,000	233
Premises and equipment expense	$0	9,580
Additional noninterest expense	$197,235,000	85
Pre-tax net operating income	$-4,223,000	9,556
Securities gains (losses)	$0	4,612
Applicable income taxes	$3,682,000	703
Income before extraordinary items	$-7,905,000	9,587
Extraordinary gains, net	$0	105
Net income	$-7,905,000	9,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,717,000	51
Cash dividends	$50,000,000	137
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-7,905,000	9,579
2000-12-31 (YTD Data)		Rank
Total interest income	$188,900,000	259
Total interest expense	$107,012,000	245
Net interest income	$81,888,000	283
Provision for loan and lease losses	$33,953,000	113
Total noninterest income	$258,193,000	92
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$0	8,617
Trading account gains and fees	$0	180
Additional Noninterest Income	$258,193,000	70
Total noninterest expense	$257,006,000	123
Salaries and employee benefits	$24,194,000	314
Premises and equipment expense	$0	9,865
Additional noninterest expense	$232,812,000	78
Pre-tax net operating income	$49,122,000	236
Securities gains (losses)	$0	1,956
Applicable income taxes	$23,020,000	181
Income before extraordinary items	$26,102,000	285
Extraordinary gains, net	$0	38
Net income	$26,102,000	284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,026,000	83
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$26,102,000	280
1999-12-31 (YTD Data)		Rank
Total interest income	$189,370,000	243
Total interest expense	$98,404,000	227
Net interest income	$90,966,000	252
Provision for loan and lease losses	$67,812,000	57
Total noninterest income	$208,605,000	105
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$0	8,885
Trading account gains and fees	$0	173
Additional Noninterest Income	$208,605,000	80
Total noninterest expense	$269,728,000	114
Salaries and employee benefits	$26,958,000	296
Premises and equipment expense	$0	10,185
Additional noninterest expense	$242,770,000	68
Pre-tax net operating income	$-37,969,000	10,236
Securities gains (losses)	$0	3,155
Applicable income taxes	$-8,657,000	10,218
Income before extraordinary items	$-29,312,000	10,219
Extraordinary gains, net	$0	35
Net income	$-29,312,000	10,219
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,312,000	43
Cash dividends	$400,000,000	27
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-29,312,000	10,218
1998-12-31 (YTD Data)		Rank
Total interest income	$299,976,000	173
Total interest expense	$128,923,000	195
Net interest income	$171,053,000	163
Provision for loan and lease losses	$105,261,000	44
Total noninterest income	$478,644,000	49
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	$478,644,000	36
Total noninterest expense	$326,891,000	98
Salaries and employee benefits	$35,538,000	220
Premises and equipment expense	$0	10,432
Additional noninterest expense	$291,353,000	58
Pre-tax net operating income	$217,545,000	81
Securities gains (losses)	$0	4,449
Applicable income taxes	$86,757,000	81
Income before extraordinary items	$130,788,000	88
Extraordinary gains, net	$0	32
Net income	$130,788,000	89
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,261,000	37
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$130,788,000	83
1997-12-31 (YTD Data)		Rank
Total interest income	$432,976,000	141
Total interest expense	$253,297,000	113
Net interest income	$179,679,000	168
Provision for loan and lease losses	$197,446,000	23
Total noninterest income	$624,665,000	35
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	$624,665,000	26
Total noninterest expense	$368,271,000	77
Salaries and employee benefits	$42,213,000	200
Premises and equipment expense	$0	10,895
Additional noninterest expense	$326,058,000	45
Pre-tax net operating income	$238,627,000	74
Securities gains (losses)	$0	3,944
Applicable income taxes	$96,663,000	64
Income before extraordinary items	$141,964,000	76
Extraordinary gains, net	$0	44
Net income	$141,964,000	76
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$197,446,000	26
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$141,964,000	77
1996-12-31 (YTD Data)		Rank
Total interest income	$708,577,000	97
Total interest expense	$315,347,000	107
Net interest income	$393,230,000	85
Provision for loan and lease losses	$156,195,000	28
Total noninterest income	$337,326,000	52
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	$337,326,000	33
Total noninterest expense	$405,722,000	71
Salaries and employee benefits	$46,152,000	208
Premises and equipment expense	$0	11,418
Additional noninterest expense	$359,570,000	37
Pre-tax net operating income	$168,639,000	95
Securities gains (losses)	$0	4,148
Applicable income taxes	$71,967,000	80
Income before extraordinary items	$96,672,000	108
Extraordinary gains, net	$0	53
Net income	$96,672,000	107
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,316,000	20
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$96,672,000	104
1995-12-31 (YTD Data)		Rank
Total interest income	$520,133,000	118
Total interest expense	$205,790,000	150
Net interest income	$314,343,000	102
Provision for loan and lease losses	$197,960,000	15
Total noninterest income	$212,488,000	76
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	$212,488,000	49
Total noninterest expense	$242,919,000	125
Salaries and employee benefits	$36,827,000	252
Premises and equipment expense	$0	11,950
Additional noninterest expense	$206,092,000	64
Pre-tax net operating income	$85,952,000	172
Securities gains (losses)	$0	3,831
Applicable income taxes	$38,255,000	139
Income before extraordinary items	$47,697,000	198
Extraordinary gains, net	$0	65
Net income	$47,697,000	197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,867,000	16
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$47,697,000	199
1994-12-31 (YTD Data)		Rank
Total interest income	$295,372,000	183
Total interest expense	$96,604,000	224
Net interest income	$198,768,000	154
Provision for loan and lease losses	$108,795,000	20
Total noninterest income	$162,555,000	86
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	$162,555,000	49
Total noninterest expense	$189,426,000	152
Salaries and employee benefits	$39,212,000	234
Premises and equipment expense	$0	12,581
Additional noninterest expense	$150,214,000	92
Pre-tax net operating income	$63,102,000	200
Securities gains (losses)	$0	3,600
Applicable income taxes	$30,915,000	152
Income before extraordinary items	$32,187,000	251
Extraordinary gains, net	$0	249
Net income	$32,187,000	249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,714,000	23
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$32,187,000	251
1993-12-31 (YTD Data)		Rank
Total interest income	$253,136,000	186
Total interest expense	$62,203,000	300
Net interest income	$190,933,000	145
Provision for loan and lease losses	$134,927,000	16
Total noninterest income	$139,935,000	95
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	$139,935,000	58
Total noninterest expense	$152,273,000	172
Salaries and employee benefits	$34,729,000	253
Premises and equipment expense	$0	13,260
Additional noninterest expense	$117,544,000	106
Pre-tax net operating income	$43,668,000	238
Securities gains (losses)	$0	7,477
Applicable income taxes	$14,184,000	235
Income before extraordinary items	$29,484,000	240
Extraordinary gains, net	$-2,447,000	13,239
Net income	$27,037,000	264
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,502,000	30
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$200,000	774
Net operating income	$29,484,000	232

* 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.