Home > JCPenney Card Bank > Income and Expense

JCPenney Card Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$2,368,0008,053
Total interest expense$1,291,0007,427
Net interest income$1,077,0008,455
Provision for loan and lease losses$822,0001,166
Total noninterest income$124,545,000145
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$08,885
Trading account gains and fees$0173
Additional Noninterest Income$124,545,000112
Total noninterest expense$113,372,000208
Salaries and employee benefits$277,0009,598
Premises and equipment expense$30,0009,973
Additional noninterest expense$113,065,000133
Pre-tax net operating income$11,428,000734
Securities gains (losses)$-9,0009,275
Applicable income taxes$4,357,000662
Income before extraordinary items$7,062,000816
Extraordinary gains, net$035
Net income$7,062,000816
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$978,000717
Cash dividends$3,000,000958
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$7,067,760800
1998-12-31 (YTD Data)Rank
Total interest income$4,709,0005,901
Total interest expense$1,978,0006,222
Net interest income$2,731,0005,511
Provision for loan and lease losses$2,676,000476
Total noninterest income$129,699,000141
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$09,085
Trading account gains and fees$0224
Additional Noninterest Income$129,699,000107
Total noninterest expense$120,694,000199
Salaries and employee benefits$277,0009,744
Premises and equipment expense$31,00010,161
Additional noninterest expense$120,386,000127
Pre-tax net operating income$9,060,000868
Securities gains (losses)$04,449
Applicable income taxes$3,524,000764
Income before extraordinary items$5,536,000978
Extraordinary gains, net$032
Net income$5,536,000977
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,968,000378
Cash dividends$3,700,000830
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$5,536,000946
1997-12-31 (YTD Data)Rank
Total interest income$11,001,0002,966
Total interest expense$6,332,0002,371
Net interest income$4,669,0003,712
Provision for loan and lease losses$3,780,000374
Total noninterest income$21,680,000335
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$09,486
Trading account gains and fees$0239
Additional Noninterest Income$21,680,000251
Total noninterest expense$22,253,000682
Salaries and employee benefits$62,00010,868
Premises and equipment expense$10,00010,848
Additional noninterest expense$22,181,000317
Pre-tax net operating income$316,0008,908
Securities gains (losses)$03,944
Applicable income taxes$131,0007,903
Income before extraordinary items$185,0009,295
Extraordinary gains, net$960,0006
Net income$1,145,0004,214
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,966,000324
Cash dividends$1,000,0002,147
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$185,0009,253
1996-12-31 (YTD Data)Rank
Total interest income$32,001,0001,085
Total interest expense$9,646,0001,648
Net interest income$22,355,000831
Provision for loan and lease losses$20,606,000133
Total noninterest income$9,509,000606
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$09,915
Trading account gains and fees$0262
Additional Noninterest Income$9,509,000437
Total noninterest expense$12,490,0001,169
Salaries and employee benefits$011,440
Premises and equipment expense$011,418
Additional noninterest expense$12,490,000567
Pre-tax net operating income$-1,232,00011,365
Securities gains (losses)$04,148
Applicable income taxes$-475,00011,350
Income before extraordinary items$-757,00011,326
Extraordinary gains, net$053
Net income$-757,00011,326
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,018,000138
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-757,00011,301
1995-12-31 (YTD Data)Rank
Total interest income$27,360,0001,257
Total interest expense$9,490,0001,682
Net interest income$17,870,0001,030
Provision for loan and lease losses$10,741,000176
Total noninterest income$9,633,000614
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,339
Trading account gains and feesNANA
Additional Noninterest Income$9,633,000437
Total noninterest expense$12,766,0001,157
Salaries and employee benefits$011,965
Premises and equipment expense$011,950
Additional noninterest expense$12,766,000566
Pre-tax net operating income$3,996,0001,851
Securities gains (losses)$03,831
Applicable income taxes$1,522,0001,631
Income before extraordinary items$2,474,0002,042
Extraordinary gains, net$065
Net income$2,474,0002,039
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,689,000184
Cash dividends$1,000,0002,009
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,474,0002,013
1994-12-31 (YTD Data)Rank
Total interest income$2,132,0009,559
Total interest expense$688,00010,167
Net interest income$1,444,0009,030
Provision for loan and lease losses$630,0001,289
Total noninterest income$6,602,000773
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,872
Trading account gains and feesNANA
Additional Noninterest Income$6,602,000541
Total noninterest expense$6,811,0002,091
Salaries and employee benefits$012,599
Premises and equipment expense$012,581
Additional noninterest expense$6,811,000925
Pre-tax net operating income$605,0007,968
Securities gains (losses)$03,600
Applicable income taxes$232,0006,800
Income before extraordinary items$373,0008,425
Extraordinary gains, net$0249
Net income$373,0008,427
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$604,0001,208
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$373,0008,479
1993-12-31 (YTD Data)Rank
Total interest income$706,00012,803
Total interest expense$192,00013,013
Net interest income$514,00012,513
Provision for loan and lease losses$258,0003,321
Total noninterest income$3,361,0001,337
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,351
Trading account gains and feesNANA
Additional Noninterest Income$3,361,000887
Total noninterest expense$3,470,0003,934
Salaries and employee benefits$013,274
Premises and equipment expense$013,260
Additional noninterest expense$3,470,0001,696
Pre-tax net operating income$147,00011,497
Securities gains (losses)$07,477
Applicable income taxes$56,00010,800
Income before extraordinary items$91,00011,888
Extraordinary gains, net$03,149
Net income$91,00011,935
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$152,0003,647
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$1,600,000390
Net operating income$91,00011,698

* 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.