Home > HSBC Bank USA > Income and Expense

HSBC Bank USA, Income and Expense

2004-06-30 (YTD Data)		Rank
Total interest income	$1,812,100,000	16
Total interest expense	$420,319,000	17
Net interest income	$1,391,781,000	14
Provision for loan and lease losses	$-19,279,000	9,074
Total noninterest income	$512,710,000	38
Gross Fiduciary activities income	$47,879,000	36
Service charges on deposit accounts	$102,747,000	29
Trading account gains and fees	$112,357,000	9
Additional Noninterest Income	$249,727,000	47
Total noninterest expense	$961,596,000	24
Salaries and employee benefits	$459,923,000	19
Premises and equipment expense	$126,984,000	21
Additional noninterest expense	$374,689,000	26
Pre-tax net operating income	$962,174,000	15
Securities gains (losses)	$43,821,000	15
Applicable income taxes	$348,564,000	15
Income before extraordinary items	$657,431,000	13
Extraordinary gains, net	$0	21
Net income	$657,431,000	13
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,422,000	68
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$628,947,350	14
2004-03-31 (YTD Data)		Rank
Total interest income	$876,728,000	17
Total interest expense	$197,561,000	18
Net interest income	$679,167,000	14
Provision for loan and lease losses	$-25,358,000	9,113
Total noninterest income	$261,232,000	37
Gross Fiduciary activities income	$23,927,000	35
Service charges on deposit accounts	$50,816,000	28
Trading account gains and fees	$110,212,000	4
Additional Noninterest Income	$76,277,000	59
Total noninterest expense	$466,669,000	24
Salaries and employee benefits	$234,638,000	18
Premises and equipment expense	$62,528,000	20
Additional noninterest expense	$169,503,000	29
Pre-tax net operating income	$499,088,000	14
Securities gains (losses)	$42,861,000	15
Applicable income taxes	$214,855,000	12
Income before extraordinary items	$327,094,000	15
Extraordinary gains, net	$0	16
Net income	$327,094,000	15
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,732,000	94
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$299,662,960	19
2003-12-31 (YTD Data)		Rank
Total interest income	$3,435,021,000	16
Total interest expense	$839,518,000	18
Net interest income	$2,595,503,000	14
Provision for loan and lease losses	$77,186,000	67
Total noninterest income	$959,950,000	42
Gross Fiduciary activities income	$93,684,000	35
Service charges on deposit accounts	$209,281,000	28
Trading account gains and fees	$108,883,000	15
Additional Noninterest Income	$548,102,000	45
Total noninterest expense	$1,924,462,000	24
Salaries and employee benefits	$1,060,761,000	17
Premises and equipment expense	$295,991,000	18
Additional noninterest expense	$567,710,000	37
Pre-tax net operating income	$1,553,805,000	20
Securities gains (losses)	$69,763,000	30
Applicable income taxes	$622,815,000	17
Income before extraordinary items	$1,000,753,000	20
Extraordinary gains, net	$0	54
Net income	$1,000,753,000	20
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,489,000	43
Cash dividends	$690,000,000	22
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$956,104,680	20
2003-09-30 (YTD Data)		Rank
Total interest income	$2,588,673,000	14
Total interest expense	$643,669,000	18
Net interest income	$1,945,004,000	14
Provision for loan and lease losses	$54,452,000	70
Total noninterest income	$693,970,000	42
Gross Fiduciary activities income	$69,958,000	35
Service charges on deposit accounts	$155,417,000	28
Trading account gains and fees	$96,038,000	13
Additional Noninterest Income	$372,557,000	47
Total noninterest expense	$1,415,278,000	24
Salaries and employee benefits	$795,142,000	17
Premises and equipment expense	$216,688,000	18
Additional noninterest expense	$403,448,000	37
Pre-tax net operating income	$1,169,244,000	21
Securities gains (losses)	$74,206,000	26
Applicable income taxes	$479,779,000	17
Income before extraordinary items	$763,671,000	20
Extraordinary gains, net	$0	40
Net income	$763,671,000	20
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,595,000	43
Cash dividends	$255,000,000	39
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$716,179,160	22
2003-06-30 (YTD Data)		Rank
Total interest income	$1,754,453,000	13
Total interest expense	$459,470,000	18
Net interest income	$1,294,983,000	14
Provision for loan and lease losses	$62,759,000	49
Total noninterest income	$524,325,000	37
Gross Fiduciary activities income	$46,386,000	36
Service charges on deposit accounts	$101,789,000	28
Trading account gains and fees	$90,090,000	11
Additional Noninterest Income	$286,060,000	43
Total noninterest expense	$923,937,000	23
Salaries and employee benefits	$524,489,000	18
Premises and equipment expense	$140,465,000	18
Additional noninterest expense	$258,983,000	37
Pre-tax net operating income	$832,612,000	17
Securities gains (losses)	$67,471,000	24
Applicable income taxes	$351,619,000	14
Income before extraordinary items	$548,464,000	17
Extraordinary gains, net	$0	30
Net income	$548,464,000	17
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,094,000	43
Cash dividends	$255,000,000	26
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$505,282,560	18
2003-03-31 (YTD Data)		Rank
Total interest income	$903,755,000	13
Total interest expense	$246,487,000	17
Net interest income	$657,268,000	13
Provision for loan and lease losses	$56,245,000	31
Total noninterest income	$264,438,000	38
Gross Fiduciary activities income	$22,987,000	34
Service charges on deposit accounts	$50,739,000	26
Trading account gains and fees	$43,473,000	11
Additional Noninterest Income	$147,239,000	39
Total noninterest expense	$460,552,000	23
Salaries and employee benefits	$262,645,000	17
Premises and equipment expense	$69,360,000	17
Additional noninterest expense	$128,547,000	37
Pre-tax net operating income	$404,909,000	17
Securities gains (losses)	$26,559,000	24
Applicable income taxes	$168,762,000	15
Income before extraordinary items	$262,706,000	19
Extraordinary gains, net	$0	21
Net income	$262,706,000	19
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,462,000	30
Cash dividends	$255,000,000	12
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$245,708,240	21
2002-12-31 (YTD Data)		Rank
Total interest income	$3,744,757,000	12
Total interest expense	$1,297,866,000	16
Net interest income	$2,446,891,000	12
Provision for loan and lease losses	$218,503,000	33
Total noninterest income	$898,063,000	39
Gross Fiduciary activities income	$94,399,000	34
Service charges on deposit accounts	$203,725,000	23
Trading account gains and fees	$20,339,000	26
Additional Noninterest Income	$579,600,000	42
Total noninterest expense	$1,809,128,000	24
Salaries and employee benefits	$993,245,000	17
Premises and equipment expense	$294,720,000	16
Additional noninterest expense	$521,163,000	43
Pre-tax net operating income	$1,317,323,000	22
Securities gains (losses)	$118,073,000	18
Applicable income taxes	$546,508,000	15
Income before extraordinary items	$888,888,000	20
Extraordinary gains, net	$0	70
Net income	$888,888,000	20
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$205,792,000	33
Cash dividends	$670,000,000	17
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$813,321,280	22
2001-12-31 (YTD Data)		Rank
Total interest income	$4,689,250,000	12
Total interest expense	$2,354,910,000	14
Net interest income	$2,334,340,000	12
Provision for loan and lease losses	$238,400,000	37
Total noninterest income	$930,775,000	33
Gross Fiduciary activities income	$87,590,000	36
Service charges on deposit accounts	$184,713,000	23
Trading account gains and fees	$197,596,000	10
Additional Noninterest Income	$460,876,000	47
Total noninterest expense	$1,894,712,000	22
Salaries and employee benefits	$981,748,000	16
Premises and equipment expense	$284,374,000	17
Additional noninterest expense	$628,590,000	34
Pre-tax net operating income	$1,132,003,000	21
Securities gains (losses)	$111,410,000	18
Applicable income taxes	$502,046,000	18
Income before extraordinary items	$741,367,000	22
Extraordinary gains, net	$5,748,000	9
Net income	$747,115,000	21
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,588,000	32
Cash dividends	$950,000,000	13
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$670,064,600	23
2000-12-31 (YTD Data)		Rank
Total interest income	$5,240,391,000	13
Total interest expense	$3,051,729,000	11
Net interest income	$2,188,662,000	14
Provision for loan and lease losses	$122,741,000	50
Total noninterest income	$754,595,000	43
Gross Fiduciary activities income	$84,906,000	38
Service charges on deposit accounts	$172,256,000	24
Trading account gains and fees	$133,412,000	11
Additional Noninterest Income	$364,021,000	54
Total noninterest expense	$1,815,986,000	26
Salaries and employee benefits	$887,164,000	15
Premises and equipment expense	$267,446,000	19
Additional noninterest expense	$661,376,000	32
Pre-tax net operating income	$1,004,530,000	22
Securities gains (losses)	$20,982,000	18
Applicable income taxes	$395,708,000	20
Income before extraordinary items	$629,804,000	21
Extraordinary gains, net	$0	38
Net income	$629,804,000	21
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,119,000	23
Cash dividends	$400,000,000	26
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$616,375,520	23
1999-12-31 (YTD Data)		Rank
Total interest income	$2,334,335,000	27
Total interest expense	$1,075,136,000	31
Net interest income	$1,259,199,000	23
Provision for loan and lease losses	$82,500,000	50
Total noninterest income	$418,219,000	65
Gross Fiduciary activities income	$52,212,000	51
Service charges on deposit accounts	$128,598,000	31
Trading account gains and fees	$9,846,000	40
Additional Noninterest Income	$227,563,000	78
Total noninterest expense	$819,250,000	46
Salaries and employee benefits	$420,910,000	36
Premises and equipment expense	$142,608,000	32
Additional noninterest expense	$255,732,000	67
Pre-tax net operating income	$775,668,000	29
Securities gains (losses)	$2,298,000	124
Applicable income taxes	$310,795,000	26
Income before extraordinary items	$467,171,000	31
Extraordinary gains, net	$0	35
Net income	$467,171,000	31
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,011,000	40
Cash dividends	$450,000,000	22
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$465,700,280	30
1998-12-31 (YTD Data)		Rank
Total interest income	$2,351,220,000	24
Total interest expense	$1,143,657,000	27
Net interest income	$1,207,563,000	24
Provision for loan and lease losses	$80,000,000	52
Total noninterest income	$418,828,000	58
Gross Fiduciary activities income	$47,290,000	57
Service charges on deposit accounts	$115,382,000	33
Trading account gains and fees	$3,610,000	65
Additional Noninterest Income	$252,546,000	64
Total noninterest expense	$771,769,000	46
Salaries and employee benefits	$406,654,000	32
Premises and equipment expense	$140,361,000	27
Additional noninterest expense	$224,754,000	72
Pre-tax net operating income	$774,622,000	19
Securities gains (losses)	$6,326,000	105
Applicable income taxes	$242,927,000	24
Income before extraordinary items	$538,021,000	20
Extraordinary gains, net	$0	32
Net income	$538,021,000	21
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,688,000	42
Cash dividends	$405,000,000	23
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$533,656,060	20
1997-12-31 (YTD Data)		Rank
Total interest income	$2,181,271,000	27
Total interest expense	$964,607,000	32
Net interest income	$1,216,664,000	23
Provision for loan and lease losses	$87,400,000	51
Total noninterest income	$308,595,000	60
Gross Fiduciary activities income	$42,886,000	57
Service charges on deposit accounts	$103,975,000	32
Trading account gains and fees	$6,166,000	46
Additional Noninterest Income	$155,568,000	77
Total noninterest expense	$773,046,000	38
Salaries and employee benefits	$394,514,000	27
Premises and equipment expense	$135,770,000	27
Additional noninterest expense	$242,762,000	55
Pre-tax net operating income	$664,813,000	21
Securities gains (losses)	$4,799,000	92
Applicable income taxes	$194,420,000	30
Income before extraordinary items	$475,192,000	20
Extraordinary gains, net	$0	44
Net income	$475,192,000	20
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,311,000	36
Cash dividends	$275,000,000	31
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$471,784,710	20
1996-12-31 (YTD Data)		Rank
Total interest income	$1,634,802,000	31
Total interest expense	$638,947,000	42
Net interest income	$995,855,000	25
Provision for loan and lease losses	$63,594,000	59
Total noninterest income	$287,494,000	58
Gross Fiduciary activities income	$41,155,000	55
Service charges on deposit accounts	$89,856,000	29
Trading account gains and fees	$3,779,000	56
Additional Noninterest Income	$152,704,000	77
Total noninterest expense	$660,512,000	43
Salaries and employee benefits	$348,689,000	29
Premises and equipment expense	$109,294,000	30
Additional noninterest expense	$202,529,000	70
Pre-tax net operating income	$559,243,000	23
Securities gains (losses)	$-57,000	11,068
Applicable income taxes	$173,249,000	25
Income before extraordinary items	$385,937,000	23
Extraordinary gains, net	$0	53
Net income	$385,937,000	23
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,102,000	29
Cash dividends	$130,000,000	68
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$385,976,330	23
1995-12-31 (YTD Data)		Rank
Total interest income	$1,486,368,000	29
Total interest expense	$582,917,000	44
Net interest income	$903,451,000	22
Provision for loan and lease losses	$169,124,000	17
Total noninterest income	$292,922,000	54
Gross Fiduciary activities income	$42,384,000	55
Service charges on deposit accounts	$85,051,000	27
Trading account gains and fees	$5,399,000	60
Additional Noninterest Income	$160,088,000	58
Total noninterest expense	$680,898,000	36
Salaries and employee benefits	$344,606,000	26
Premises and equipment expense	$107,029,000	30
Additional noninterest expense	$229,263,000	59
Pre-tax net operating income	$346,351,000	37
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$59,246,000	89
Income before extraordinary items	$287,110,000	28
Extraordinary gains, net	$0	65
Net income	$287,110,000	27
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$186,399,000	17
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$287,105,850	27
1994-12-31 (YTD Data)		Rank
Total interest income	$1,161,579,000	31
Total interest expense	$368,858,000	42
Net interest income	$792,721,000	22
Provision for loan and lease losses	$6,588,000	242
Total noninterest income	$251,697,000	54
Gross Fiduciary activities income	$42,753,000	58
Service charges on deposit accounts	$84,440,000	28
Trading account gains and fees	$-13,884,000	4,965
Additional Noninterest Income	$138,388,000	59
Total noninterest expense	$702,213,000	34
Salaries and employee benefits	$327,860,000	25
Premises and equipment expense	$99,848,000	29
Additional noninterest expense	$274,505,000	48
Pre-tax net operating income	$335,617,000	35
Securities gains (losses)	$12,000	2,095
Applicable income taxes	$114,665,000	35
Income before extraordinary items	$220,964,000	36
Extraordinary gains, net	$0	249
Net income	$220,964,000	36
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,905,000	77
Cash dividends	$150,000,000	38
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$220,956,080	36
1993-12-31 (YTD Data)		Rank
Total interest income	$1,088,292,000	32
Total interest expense	$347,985,000	40
Net interest income	$740,307,000	26
Provision for loan and lease losses	$-104,069,000	13,285
Total noninterest income	$299,422,000	41
Gross Fiduciary activities income	$42,510,000	50
Service charges on deposit accounts	$83,550,000	26
Trading account gains and fees	$-2,909,000	5,149
Additional Noninterest Income	$176,271,000	43
Total noninterest expense	$992,763,000	17
Salaries and employee benefits	$341,189,000	22
Premises and equipment expense	$112,725,000	21
Additional noninterest expense	$538,849,000	15
Pre-tax net operating income	$151,035,000	79
Securities gains (losses)	$-4,552,000	13,276
Applicable income taxes	$13,737,000	244
Income before extraordinary items	$132,746,000	56
Extraordinary gains, net	$40,000,000	11
Net income	$172,746,000	46
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,716,000	54
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$136,888,320	52
1992-12-31 (YTD Data)		Rank
Total interest income	$1,149,979,000	37
Total interest expense	$451,056,000	34
Net interest income	$698,923,000	26
Provision for loan and lease losses	$67,331,000	80
Total noninterest income	$253,345,000	42
Gross Fiduciary activities income	$41,980,000	49
Service charges on deposit accounts	$85,407,000	18
Trading account gains and fees	$6,654,000	56
Additional Noninterest Income	$119,304,000	53
Total noninterest expense	$848,538,000	19
Salaries and employee benefits	$342,698,000	17
Premises and equipment expense	$127,758,000	18
Additional noninterest expense	$378,082,000	23
Pre-tax net operating income	$36,399,000	212
Securities gains (losses)	$125,317,000	6
Applicable income taxes	$62,253,000	45
Income before extraordinary items	$99,463,000	63
Extraordinary gains, net	$41,608,000	7
Net income	$141,071,000	41
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,787,000	44
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$19,260,120	255

* 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.