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Providian Bank, Income and Expense

2003-09-30 (YTD Data)Rank
Total interest income$131,637,000215
Total interest expense$51,661,000183
Net interest income$79,976,000232
Provision for loan and lease losses$66,006,00063
Total noninterest income$22,901,000310
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$97,0006,184
Trading account gains and fees$0153
Additional Noninterest Income$22,804,000245
Total noninterest expense$32,865,000422
Salaries and employee benefits$331,0008,288
Premises and equipment expense$15,0009,123
Additional noninterest expense$32,519,000209
Pre-tax net operating income$4,006,0001,579
Securities gains (losses)$7,312,000131
Applicable income taxes$4,471,000556
Income before extraordinary items$6,847,000748
Extraordinary gains, net$040
Net income$6,847,000749
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$248,176,00024
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$2,167,3202,059
2003-06-30 (YTD Data)Rank
Total interest income$122,330,000178
Total interest expense$35,529,000183
Net interest income$86,801,000165
Provision for loan and lease losses$67,720,00047
Total noninterest income$15,849,000306
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$78,0005,817
Trading account gains and fees$0150
Additional Noninterest Income$15,771,000240
Total noninterest expense$25,562,000374
Salaries and employee benefits$238,0008,178
Premises and equipment expense$15,0009,055
Additional noninterest expense$25,309,000194
Pre-tax net operating income$9,368,000514
Securities gains (losses)$8,003,000105
Applicable income taxes$9,682,000249
Income before extraordinary items$7,689,000491
Extraordinary gains, net$030
Net income$7,689,000491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$251,805,00018
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$2,567,0801,199
2003-03-31 (YTD Data)Rank
Total interest income$63,906,000172
Total interest expense$18,565,000184
Net interest income$45,341,000164
Provision for loan and lease losses$24,740,00057
Total noninterest income$8,774,000288
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$38,0005,790
Trading account gains and fees$0134
Additional Noninterest Income$8,736,000228
Total noninterest expense$12,860,000373
Salaries and employee benefits$142,0007,865
Premises and equipment expense$8,0009,060
Additional noninterest expense$12,710,000194
Pre-tax net operating income$16,515,000209
Securities gains (losses)$7,208,00061
Applicable income taxes$9,371,000161
Income before extraordinary items$14,352,000185
Extraordinary gains, net$021
Net income$14,352,000185
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,883,00034
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$9,738,880228
2002-12-31 (YTD Data)Rank
Total interest income$303,064,000157
Total interest expense$92,231,000174
Net interest income$210,833,000145
Provision for loan and lease losses$158,344,00042
Total noninterest income$49,547,000230
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$207,0005,117
Trading account gains and fees$0153
Additional Noninterest Income$49,340,000174
Total noninterest expense$72,143,000275
Salaries and employee benefits$834,0006,761
Premises and equipment expense$5,0009,308
Additional noninterest expense$71,304,000157
Pre-tax net operating income$29,893,000348
Securities gains (losses)$9,599,000111
Applicable income taxes$15,599,000268
Income before extraordinary items$23,893,000324
Extraordinary gains, net$070
Net income$23,893,000324
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,476,00040
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$17,749,640379
2001-12-31 (YTD Data)Rank
Total interest income$301,481,000174
Total interest expense$117,634,000200
Net interest income$183,847,000160
Provision for loan and lease losses$240,409,00036
Total noninterest income$60,704,000209
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$268,0004,456
Trading account gains and fees$0177
Additional Noninterest Income$60,436,000158
Total noninterest expense$86,791,000240
Salaries and employee benefits$1,080,0005,717
Premises and equipment expense$23,0009,469
Additional noninterest expense$85,688,000149
Pre-tax net operating income$-82,649,0009,623
Securities gains (losses)$18,281,00056
Applicable income taxes$-25,426,0009,606
Income before extraordinary items$-38,942,0009,601
Extraordinary gains, net$1,156,00023
Net income$-37,786,0009,600
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,806,00056
Cash dividends$23,000,000211
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-50,641,8409,605
2000-12-31 (YTD Data)Rank
Total interest income$305,818,000193
Total interest expense$152,885,000196
Net interest income$152,933,000181
Provision for loan and lease losses$81,524,00065
Total noninterest income$65,011,000196
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$400,0003,242
Trading account gains and fees$0180
Additional Noninterest Income$64,611,000152
Total noninterest expense$61,739,000291
Salaries and employee benefits$794,0006,758
Premises and equipment expense$52,0009,324
Additional noninterest expense$60,893,000185
Pre-tax net operating income$74,681,000173
Securities gains (losses)$01,956
Applicable income taxes$29,881,000160
Income before extraordinary items$44,800,000182
Extraordinary gains, net$038
Net income$44,800,000181
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$56,389,00080
Cash dividends$20,000,000239
Sale, conversion, retirement of capital stock, net$0969
Net operating income$44,800,000188
1999-12-31 (YTD Data)Rank
Total interest income$139,778,000312
Total interest expense$39,479,000451
Net interest income$100,299,000231
Provision for loan and lease losses$56,528,00063
Total noninterest income$45,175,000242
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$144,0005,944
Trading account gains and fees$0173
Additional Noninterest Income$45,031,000184
Total noninterest expense$54,496,000339
Salaries and employee benefits$583,0007,846
Premises and equipment expense$55,0009,535
Additional noninterest expense$53,858,000197
Pre-tax net operating income$34,450,000326
Securities gains (losses)$-18,0009,513
Applicable income taxes$13,783,000303
Income before extraordinary items$20,649,000361
Extraordinary gains, net$035
Net income$20,649,000361
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,160,000101
Cash dividends$17,000,000280
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$20,660,520350
1998-12-31 (YTD Data)Rank
Total interest income$54,995,000628
Total interest expense$8,235,0001,860
Net interest income$46,760,000421
Provision for loan and lease losses$29,951,000105
Total noninterest income$21,163,000366
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$52,0007,990
Trading account gains and feesNANA
Additional Noninterest Income$21,111,000280
Total noninterest expense$22,950,000663
Salaries and employee benefits$369,0009,165
Premises and equipment expense$117,0008,342
Additional noninterest expense$22,464,000327
Pre-tax net operating income$15,022,000557
Securities gains (losses)$04,449
Applicable income taxes$5,996,000493
Income before extraordinary items$9,026,000640
Extraordinary gains, net$032
Net income$9,026,000639
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,738,000173
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$9,026,000610
1997-12-31 (YTD Data)Rank
Total interest income$21,499,0001,529
Total interest expense$1,722,0006,841
Net interest income$19,777,000904
Provision for loan and lease losses$10,657,000202
Total noninterest income$6,246,000798
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,486
Trading account gains and feesNANA
Additional Noninterest Income$6,246,000537
Total noninterest expense$17,480,000823
Salaries and employee benefits$351,0009,588
Premises and equipment expense$94,0009,100
Additional noninterest expense$17,035,000377
Pre-tax net operating income$-2,114,00010,899
Securities gains (losses)$03,944
Applicable income taxes$-809,00010,878
Income before extraordinary items$-1,305,00010,869
Extraordinary gains, net$044
Net income$-1,305,00010,869
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,524,000435
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-1,305,00010,858
1996-12-31 (YTD Data)Rank
Total interest income$750,00011,074
Total interest expense$36,00011,376
Net interest income$714,00010,346
Provision for loan and lease losses$324,0002,440
Total noninterest income$311,0006,812
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,915
Trading account gains and feesNANA
Additional Noninterest Income$311,0003,987
Total noninterest expense$2,700,0004,708
Salaries and employee benefits$268,00010,596
Premises and equipment expense$66,00010,194
Additional noninterest expense$2,366,0002,110
Pre-tax net operating income$-1,999,00011,401
Securities gains (losses)$04,148
Applicable income taxes$-746,00011,379
Income before extraordinary items$-1,253,00011,385
Extraordinary gains, net$053
Net income$-1,253,00011,385
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$2,000925
Net operating income$-1,253,00011,369

* 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.