Home > Providian National Bank > Income and Expense
Providian National Bank, Income and Expense
1997-12-31 (YTD Data) | Rank | |
Total interest income | $110,938,000 | 372 |
Total interest expense | $39,113,000 | 482 |
Net interest income | $71,825,000 | 296 |
Provision for loan and lease losses | $22,126,000 | 126 |
Total noninterest income | $144,162,000 | 113 |
Gross Fiduciary activities income | $0 | 1,450 |
Service charges on deposit accounts | $23,000 | 9,059 |
Trading account gains and fees | $0 | 239 |
Additional Noninterest Income | $144,139,000 | 82 |
Total noninterest expense | $80,072,000 | 248 |
Salaries and employee benefits | $122,000 | 10,779 |
Premises and equipment expense | $39,000 | 10,459 |
Additional noninterest expense | $79,911,000 | 153 |
Pre-tax net operating income | $113,789,000 | 134 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $44,714,000 | 127 |
Income before extraordinary items | $69,075,000 | 146 |
Extraordinary gains, net | $0 | 44 |
Net income | $69,075,000 | 146 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $30,014,000 | 102 |
Cash dividends | $96,000,000 | 86 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $69,075,000 | 140 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $220,968,000 | 241 |
Total interest expense | $71,594,000 | 331 |
Net interest income | $149,374,000 | 203 |
Provision for loan and lease losses | $44,041,000 | 80 |
Total noninterest income | $44,192,000 | 248 |
Gross Fiduciary activities income | $0 | 1,526 |
Service charges on deposit accounts | $32,000 | 9,343 |
Trading account gains and fees | $0 | 262 |
Additional Noninterest Income | $44,160,000 | 185 |
Total noninterest expense | $97,567,000 | 249 |
Salaries and employee benefits | $164,000 | 11,184 |
Premises and equipment expense | $52,000 | 10,580 |
Additional noninterest expense | $97,351,000 | 151 |
Pre-tax net operating income | $51,958,000 | 239 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $20,280,000 | 225 |
Income before extraordinary items | $31,678,000 | 254 |
Extraordinary gains, net | $0 | 53 |
Net income | $31,678,000 | 254 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $35,696,000 | 95 |
Cash dividends | $0 | 8,336 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $31,678,000 | 248 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $134,901,000 | 356 |
Total interest expense | $42,680,000 | 503 |
Net interest income | $92,221,000 | 284 |
Provision for loan and lease losses | $25,765,000 | 100 |
Total noninterest income | $32,079,000 | 307 |
Gross Fiduciary activities income | $0 | 1,590 |
Service charges on deposit accounts | $3,000 | 10,277 |
Trading account gains and fees | $0 | 522 |
Additional Noninterest Income | $32,076,000 | 207 |
Total noninterest expense | $87,089,000 | 275 |
Salaries and employee benefits | $158,000 | 11,704 |
Premises and equipment expense | $56,000 | 10,906 |
Additional noninterest expense | $86,875,000 | 153 |
Pre-tax net operating income | $11,446,000 | 744 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $4,147,000 | 698 |
Income before extraordinary items | $7,299,000 | 785 |
Extraordinary gains, net | $0 | 65 |
Net income | $7,299,000 | 785 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $16,955,000 | 127 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $7,299,000 | 779 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $79,060,000 | 479 |
Total interest expense | $16,465,000 | 841 |
Net interest income | $62,595,000 | 361 |
Provision for loan and lease losses | $14,062,000 | 153 |
Total noninterest income | $18,042,000 | 400 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $2,000 | 10,827 |
Trading account gains and fees | $0 | 475 |
Additional Noninterest Income | $18,040,000 | 288 |
Total noninterest expense | $65,629,000 | 329 |
Salaries and employee benefits | $133,000 | 12,428 |
Premises and equipment expense | $53,000 | 11,525 |
Additional noninterest expense | $65,443,000 | 188 |
Pre-tax net operating income | $946,000 | 6,186 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $357,000 | 5,191 |
Income before extraordinary items | $589,000 | 6,625 |
Extraordinary gains, net | $0 | 249 |
Net income | $589,000 | 6,639 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $11,955,000 | 166 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $589,000 | 6,683 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $73,501,000 | 506 |
Total interest expense | $13,284,000 | 1,016 |
Net interest income | $60,217,000 | 376 |
Provision for loan and lease losses | $17,578,000 | 175 |
Total noninterest income | $3,425,000 | 1,317 |
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 | $3,425,000 | 878 |
Total noninterest expense | $34,509,000 | 547 |
Salaries and employee benefits | $162,000 | 12,906 |
Premises and equipment expense | $48,000 | 12,290 |
Additional noninterest expense | $34,299,000 | 318 |
Pre-tax net operating income | $11,555,000 | 632 |
Securities gains (losses) | $0 | 7,477 |
Applicable income taxes | $4,287,000 | 611 |
Income before extraordinary items | $7,268,000 | 718 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $7,268,000 | 741 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $20,214,000 | 153 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $7,268,000 | 673 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $67,412,000 | 608 |
Total interest expense | $16,508,000 | 1,091 |
Net interest income | $50,904,000 | 443 |
Provision for loan and lease losses | $29,314,000 | 166 |
Total noninterest income | $1,150,000 | 2,958 |
Gross Fiduciary activities income | $0 | 1,658 |
Service charges on deposit accounts | $0 | 11,764 |
Trading account gains and fees | $0 | 504 |
Additional Noninterest Income | $1,150,000 | 1,818 |
Total noninterest expense | $22,529,000 | 768 |
Salaries and employee benefits | $140,000 | 13,618 |
Premises and equipment expense | $45,000 | 12,878 |
Additional noninterest expense | $22,344,000 | 432 |
Pre-tax net operating income | $211,000 | 10,964 |
Securities gains (losses) | $0 | 8,369 |
Applicable income taxes | $-549,000 | 13,766 |
Income before extraordinary items | $760,000 | 5,578 |
Extraordinary gains, net | $231,000 | 376 |
Net income | $991,000 | 4,590 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $21,411,000 | 193 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $760,000 | 5,238 |
* 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.