Home > Providian National Bank > Income and Expense

Providian National Bank, Income and Expense

1997-12-31 (YTD Data)Rank
Total interest income$110,938,000372
Total interest expense$39,113,000482
Net interest income$71,825,000296
Provision for loan and lease losses$22,126,000126
Total noninterest income$144,162,000113
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$23,0009,059
Trading account gains and fees$0239
Additional Noninterest Income$144,139,00082
Total noninterest expense$80,072,000248
Salaries and employee benefits$122,00010,779
Premises and equipment expense$39,00010,459
Additional noninterest expense$79,911,000153
Pre-tax net operating income$113,789,000134
Securities gains (losses)$03,944
Applicable income taxes$44,714,000127
Income before extraordinary items$69,075,000146
Extraordinary gains, net$044
Net income$69,075,000146
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,014,000102
Cash dividends$96,000,00086
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$69,075,000140
1996-12-31 (YTD Data)Rank
Total interest income$220,968,000241
Total interest expense$71,594,000331
Net interest income$149,374,000203
Provision for loan and lease losses$44,041,00080
Total noninterest income$44,192,000248
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$32,0009,343
Trading account gains and fees$0262
Additional Noninterest Income$44,160,000185
Total noninterest expense$97,567,000249
Salaries and employee benefits$164,00011,184
Premises and equipment expense$52,00010,580
Additional noninterest expense$97,351,000151
Pre-tax net operating income$51,958,000239
Securities gains (losses)$04,148
Applicable income taxes$20,280,000225
Income before extraordinary items$31,678,000254
Extraordinary gains, net$053
Net income$31,678,000254
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,696,00095
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$31,678,000248
1995-12-31 (YTD Data)Rank
Total interest income$134,901,000356
Total interest expense$42,680,000503
Net interest income$92,221,000284
Provision for loan and lease losses$25,765,000100
Total noninterest income$32,079,000307
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$3,00010,277
Trading account gains and fees$0522
Additional Noninterest Income$32,076,000207
Total noninterest expense$87,089,000275
Salaries and employee benefits$158,00011,704
Premises and equipment expense$56,00010,906
Additional noninterest expense$86,875,000153
Pre-tax net operating income$11,446,000744
Securities gains (losses)$03,831
Applicable income taxes$4,147,000698
Income before extraordinary items$7,299,000785
Extraordinary gains, net$065
Net income$7,299,000785
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,955,000127
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$7,299,000779
1994-12-31 (YTD Data)Rank
Total interest income$79,060,000479
Total interest expense$16,465,000841
Net interest income$62,595,000361
Provision for loan and lease losses$14,062,000153
Total noninterest income$18,042,000400
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,00010,827
Trading account gains and fees$0475
Additional Noninterest Income$18,040,000288
Total noninterest expense$65,629,000329
Salaries and employee benefits$133,00012,428
Premises and equipment expense$53,00011,525
Additional noninterest expense$65,443,000188
Pre-tax net operating income$946,0006,186
Securities gains (losses)$03,600
Applicable income taxes$357,0005,191
Income before extraordinary items$589,0006,625
Extraordinary gains, net$0249
Net income$589,0006,639
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,955,000166
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$589,0006,683
1993-12-31 (YTD Data)Rank
Total interest income$73,501,000506
Total interest expense$13,284,0001,016
Net interest income$60,217,000376
Provision for loan and lease losses$17,578,000175
Total noninterest income$3,425,0001,317
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$011,351
Trading account gains and fees$0532
Additional Noninterest Income$3,425,000878
Total noninterest expense$34,509,000547
Salaries and employee benefits$162,00012,906
Premises and equipment expense$48,00012,290
Additional noninterest expense$34,299,000318
Pre-tax net operating income$11,555,000632
Securities gains (losses)$07,477
Applicable income taxes$4,287,000611
Income before extraordinary items$7,268,000718
Extraordinary gains, net$03,149
Net income$7,268,000741
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,214,000153
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$7,268,000673
1992-12-31 (YTD Data)Rank
Total interest income$67,412,000608
Total interest expense$16,508,0001,091
Net interest income$50,904,000443
Provision for loan and lease losses$29,314,000166
Total noninterest income$1,150,0002,958
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$011,764
Trading account gains and fees$0504
Additional Noninterest Income$1,150,0001,818
Total noninterest expense$22,529,000768
Salaries and employee benefits$140,00013,618
Premises and equipment expense$45,00012,878
Additional noninterest expense$22,344,000432
Pre-tax net operating income$211,00010,964
Securities gains (losses)$08,369
Applicable income taxes$-549,00013,766
Income before extraordinary items$760,0005,578
Extraordinary gains, net$231,000376
Net income$991,0004,590
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,411,000193
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$760,0005,238

* 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.