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JCPenney National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$110,777,000396
Total interest expense$33,030,000568
Net interest income$77,747,000309
Provision for loan and lease losses$63,000,00060
Total noninterest income$18,660,000404
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$384,0003,455
Trading account gains and fees$0262
Additional Noninterest Income$18,276,000307
Total noninterest expense$31,588,000539
Salaries and employee benefits$1,541,0004,213
Premises and equipment expense$302,0005,569
Additional noninterest expense$29,745,000329
Pre-tax net operating income$1,819,0003,684
Securities gains (losses)$1,0003,760
Applicable income taxes$719,0003,119
Income before extraordinary items$1,101,0004,151
Extraordinary gains, net$053
Net income$1,101,0004,152
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$60,960,00060
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,100,3604,101
1995-12-31 (YTD Data)Rank
Total interest income$117,589,000398
Total interest expense$32,760,000609
Net interest income$84,829,000301
Provision for loan and lease losses$44,836,00062
Total noninterest income$20,657,000387
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$428,0003,139
Trading account gains and fees$0522
Additional Noninterest Income$20,229,000274
Total noninterest expense$34,678,000512
Salaries and employee benefits$1,897,0003,478
Premises and equipment expense$277,0005,967
Additional noninterest expense$32,504,000305
Pre-tax net operating income$25,972,000393
Securities gains (losses)$03,831
Applicable income taxes$9,924,000377
Income before extraordinary items$16,048,000414
Extraordinary gains, net$065
Net income$16,048,000413
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,071,00071
Cash dividends$23,000,000226
Sale, conversion, retirement of capital stock, net$0809
Net operating income$16,048,000411
1994-12-31 (YTD Data)Rank
Total interest income$116,630,000361
Total interest expense$26,810,000572
Net interest income$89,820,000283
Provision for loan and lease losses$43,973,00054
Total noninterest income$14,791,000447
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$398,0003,390
Trading account gains and fees$0475
Additional Noninterest Income$14,393,000350
Total noninterest expense$33,347,000537
Salaries and employee benefits$1,869,0003,494
Premises and equipment expense$310,0005,563
Additional noninterest expense$31,168,000325
Pre-tax net operating income$27,291,000358
Securities gains (losses)$1,0003,293
Applicable income taxes$10,416,000330
Income before extraordinary items$16,876,000363
Extraordinary gains, net$0249
Net income$16,876,000363
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,442,00070
Cash dividends$11,000,000320
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$16,875,360369
1993-12-31 (YTD Data)Rank
Total interest income$106,882,000374
Total interest expense$23,924,000618
Net interest income$82,958,000292
Provision for loan and lease losses$37,864,00097
Total noninterest income$13,366,000497
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$405,0003,398
Trading account gains and fees$0532
Additional Noninterest Income$12,961,000372
Total noninterest expense$29,847,000627
Salaries and employee benefits$2,082,0003,152
Premises and equipment expense$270,0006,333
Additional noninterest expense$27,495,000371
Pre-tax net operating income$28,613,000304
Securities gains (losses)$1,0007,052
Applicable income taxes$10,620,000297
Income before extraordinary items$17,994,000335
Extraordinary gains, net$-377,00013,137
Net income$17,617,000354
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,834,000109
Cash dividends$16,000,000207
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$17,993,360318
1992-12-31 (YTD Data)Rank
Total interest income$105,959,000420
Total interest expense$29,390,000656
Net interest income$76,569,000312
Provision for loan and lease losses$39,837,000129
Total noninterest income$11,894,000532
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$361,0003,810
Trading account gains and fees$0504
Additional Noninterest Income$11,533,000405
Total noninterest expense$24,300,000725
Salaries and employee benefits$1,676,0003,827
Premises and equipment expense$272,0006,405
Additional noninterest expense$22,352,000431
Pre-tax net operating income$24,326,000291
Securities gains (losses)$08,369
Applicable income taxes$9,025,000293
Income before extraordinary items$15,301,000341
Extraordinary gains, net$01,422
Net income$15,301,000344
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,934,000121
Cash dividends$8,000,000261
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$15,301,000304

* 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.