Home > Providian National Bank > Income and Expense

Providian National Bank, Income and Expense

2005-09-30 (YTD Data)		Rank
Total interest income	$838,910,000	68
Total interest expense	$291,149,000	70
Net interest income	$547,761,000	62
Provision for loan and lease losses	$425,284,000	11
Total noninterest income	$1,183,476,000	26
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$567,000	2,208
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,182,909,000	19
Total noninterest expense	$738,661,000	46
Salaries and employee benefits	$176,269,000	62
Premises and equipment expense	$52,740,000	58
Additional noninterest expense	$509,652,000	30
Pre-tax net operating income	$567,292,000	45
Securities gains (losses)	$1,000	2,135
Applicable income taxes	$185,248,000	47
Income before extraordinary items	$382,045,000	44
Extraordinary gains, net	$0	35
Net income	$382,045,000	44
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$433,928,000	13
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$382,044,330	44
2005-06-30 (YTD Data)		Rank
Total interest income	$548,174,000	65
Total interest expense	$193,052,000	65
Net interest income	$355,122,000	63
Provision for loan and lease losses	$157,231,000	16
Total noninterest income	$785,101,000	26
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$359,000	2,252
Trading account gains and fees	$0	116
Additional Noninterest Income	$784,742,000	19
Total noninterest expense	$491,953,000	45
Salaries and employee benefits	$116,955,000	62
Premises and equipment expense	$34,940,000	58
Additional noninterest expense	$340,058,000	31
Pre-tax net operating income	$491,039,000	38
Securities gains (losses)	$1,000	1,973
Applicable income taxes	$155,509,000	39
Income before extraordinary items	$335,531,000	40
Extraordinary gains, net	$0	30
Net income	$335,531,000	40
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$335,397,000	9
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$335,530,320	38
2005-03-31 (YTD Data)		Rank
Total interest income	$261,741,000	68
Total interest expense	$96,219,000	65
Net interest income	$165,522,000	67
Provision for loan and lease losses	$60,845,000	17
Total noninterest income	$364,389,000	30
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$194,000	2,057
Trading account gains and fees	$0	115
Additional Noninterest Income	$364,195,000	21
Total noninterest expense	$248,753,000	47
Salaries and employee benefits	$58,466,000	64
Premises and equipment expense	$17,885,000	57
Additional noninterest expense	$172,402,000	30
Pre-tax net operating income	$220,313,000	36
Securities gains (losses)	$1,000	1,514
Applicable income taxes	$84,744,000	35
Income before extraordinary items	$135,570,000	40
Extraordinary gains, net	$0	24
Net income	$135,570,000	40
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,540,000	7
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$135,569,360	40
2004-12-31 (YTD Data)		Rank
Total interest income	$1,104,566,000	56
Total interest expense	$429,502,000	46
Net interest income	$675,064,000	61
Provision for loan and lease losses	$517,295,000	13
Total noninterest income	$1,472,111,000	27
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$745,000	2,267
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,471,366,000	20
Total noninterest expense	$1,020,953,000	46
Salaries and employee benefits	$267,745,000	57
Premises and equipment expense	$113,194,000	46
Additional noninterest expense	$640,014,000	33
Pre-tax net operating income	$608,927,000	53
Securities gains (losses)	$-8,957,000	8,961
Applicable income taxes	$210,202,000	53
Income before extraordinary items	$389,768,000	54
Extraordinary gains, net	$0	34
Net income	$389,768,000	54
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$543,478,000	13
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$395,590,050	52
2004-09-30 (YTD Data)		Rank
Total interest income	$836,118,000	58
Total interest expense	$326,043,000	43
Net interest income	$510,075,000	65
Provision for loan and lease losses	$432,220,000	12
Total noninterest income	$1,097,422,000	26
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$550,000	2,312
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,096,872,000	20
Total noninterest expense	$751,357,000	45
Salaries and employee benefits	$205,958,000	59
Premises and equipment expense	$77,080,000	51
Additional noninterest expense	$468,319,000	35
Pre-tax net operating income	$423,920,000	57
Securities gains (losses)	$-8,958,000	9,013
Applicable income taxes	$165,289,000	50
Income before extraordinary items	$249,673,000	66
Extraordinary gains, net	$0	26
Net income	$249,673,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$424,575,000	12
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$255,406,120	61
2004-06-30 (YTD Data)		Rank
Total interest income	$555,266,000	60
Total interest expense	$222,751,000	40
Net interest income	$332,515,000	68
Provision for loan and lease losses	$270,869,000	10
Total noninterest income	$696,924,000	28
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$320,000	2,571
Trading account gains and fees	$0	130
Additional Noninterest Income	$696,604,000	21
Total noninterest expense	$506,727,000	48
Salaries and employee benefits	$139,552,000	60
Premises and equipment expense	$52,131,000	52
Additional noninterest expense	$315,044,000	35
Pre-tax net operating income	$251,843,000	62
Securities gains (losses)	$-543,000	9,037
Applicable income taxes	$100,139,000	57
Income before extraordinary items	$151,161,000	69
Extraordinary gains, net	$0	21
Net income	$151,161,000	69
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,276,000	13
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$151,508,520	68
2004-03-31 (YTD Data)		Rank
Total interest income	$287,262,000	56
Total interest expense	$115,788,000	35
Net interest income	$171,474,000	66
Provision for loan and lease losses	$88,852,000	14
Total noninterest income	$328,473,000	30
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$158,000	2,563
Trading account gains and fees	$0	121
Additional Noninterest Income	$328,315,000	23
Total noninterest expense	$256,347,000	48
Salaries and employee benefits	$75,070,000	53
Premises and equipment expense	$28,301,000	48
Additional noninterest expense	$152,976,000	36
Pre-tax net operating income	$154,748,000	51
Securities gains (losses)	$-543,000	9,097
Applicable income taxes	$61,165,000	47
Income before extraordinary items	$93,040,000	58
Extraordinary gains, net	$0	16
Net income	$93,040,000	59
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,928,000	15
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$93,387,520	54
2003-12-31 (YTD Data)		Rank
Total interest income	$1,307,231,000	47
Total interest expense	$591,805,000	31
Net interest income	$715,426,000	58
Provision for loan and lease losses	$622,344,000	13
Total noninterest income	$1,463,973,000	28
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$729,000	2,285
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,463,244,000	21
Total noninterest expense	$1,146,938,000	43
Salaries and employee benefits	$350,642,000	48
Premises and equipment expense	$136,731,000	39
Additional noninterest expense	$659,565,000	32
Pre-tax net operating income	$410,117,000	69
Securities gains (losses)	$4,661,000	166
Applicable income taxes	$163,210,000	65
Income before extraordinary items	$251,568,000	75
Extraordinary gains, net	$0	54
Net income	$251,568,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,008,919,000	12
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$248,584,960	71
2003-09-30 (YTD Data)		Rank
Total interest income	$920,381,000	48
Total interest expense	$411,228,000	33
Net interest income	$509,153,000	61
Provision for loan and lease losses	$426,544,000	15
Total noninterest income	$1,036,156,000	29
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$451,000	2,702
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,035,705,000	22
Total noninterest expense	$867,211,000	41
Salaries and employee benefits	$265,995,000	48
Premises and equipment expense	$99,444,000	39
Additional noninterest expense	$501,772,000	30
Pre-tax net operating income	$251,554,000	75
Securities gains (losses)	$1,258,000	381
Applicable income taxes	$99,861,000	70
Income before extraordinary items	$152,951,000	82
Extraordinary gains, net	$0	40
Net income	$152,951,000	82
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$612,853,000	14
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$152,145,880	78
2003-06-30 (YTD Data)		Rank
Total interest income	$651,333,000	45
Total interest expense	$285,486,000	33
Net interest income	$365,847,000	56
Provision for loan and lease losses	$326,099,000	15
Total noninterest income	$648,160,000	28
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$304,000	2,617
Trading account gains and fees	$0	150
Additional Noninterest Income	$647,856,000	22
Total noninterest expense	$604,029,000	39
Salaries and employee benefits	$180,933,000	48
Premises and equipment expense	$65,766,000	40
Additional noninterest expense	$357,330,000	27
Pre-tax net operating income	$83,879,000	113
Securities gains (losses)	$1,995,000	232
Applicable income taxes	$33,920,000	112
Income before extraordinary items	$51,954,000	128
Extraordinary gains, net	$0	30
Net income	$51,954,000	128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$452,987,000	14
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$50,677,200	119
2003-03-31 (YTD Data)		Rank
Total interest income	$347,537,000	45
Total interest expense	$146,598,000	34
Net interest income	$200,939,000	51
Provision for loan and lease losses	$237,074,000	11
Total noninterest income	$335,894,000	29
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$142,000	2,695
Trading account gains and fees	$0	134
Additional Noninterest Income	$335,752,000	21
Total noninterest expense	$306,434,000	36
Salaries and employee benefits	$91,692,000	45
Premises and equipment expense	$31,476,000	37
Additional noninterest expense	$183,266,000	26
Pre-tax net operating income	$-6,675,000	9,315
Securities gains (losses)	$2,381,000	135
Applicable income taxes	$-1,696,000	9,301
Income before extraordinary items	$-2,598,000	9,302
Extraordinary gains, net	$0	21
Net income	$-2,598,000	9,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$253,190,000	14
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-4,121,840	9,299
2002-12-31 (YTD Data)		Rank
Total interest income	$1,744,800,000	42
Total interest expense	$658,698,000	34
Net interest income	$1,086,102,000	40
Provision for loan and lease losses	$1,141,640,000	13
Total noninterest income	$1,991,019,000	19
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,055,000	1,529
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,989,964,000	16
Total noninterest expense	$1,716,684,000	26
Salaries and employee benefits	$252,643,000	59
Premises and equipment expense	$106,278,000	44
Additional noninterest expense	$1,357,763,000	17
Pre-tax net operating income	$218,797,000	87
Securities gains (losses)	$638,000	565
Applicable income taxes	$57,718,000	121
Income before extraordinary items	$161,717,000	86
Extraordinary gains, net	$0	70
Net income	$161,717,000	86
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,053,847,000	6
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$161,244,880	83
2001-12-31 (YTD Data)		Rank
Total interest income	$2,953,449,000	24
Total interest expense	$817,483,000	47
Net interest income	$2,135,966,000	14
Provision for loan and lease losses	$1,809,993,000	5
Total noninterest income	$2,012,325,000	18
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$3,428,000	440
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,008,897,000	14
Total noninterest expense	$2,182,629,000	19
Salaries and employee benefits	$23,691,000	338
Premises and equipment expense	$11,342,000	234
Additional noninterest expense	$2,147,596,000	12
Pre-tax net operating income	$155,669,000	113
Securities gains (losses)	$4,816,000	143
Applicable income taxes	$65,919,000	97
Income before extraordinary items	$94,566,000	127
Extraordinary gains, net	$695,000	32
Net income	$95,261,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,425,270,000	4
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$91,483,760	126
2000-12-31 (YTD Data)		Rank
Total interest income	$3,290,734,000	24
Total interest expense	$736,518,000	61
Net interest income	$2,554,216,000	11
Provision for loan and lease losses	$1,433,445,000	3
Total noninterest income	$2,193,098,000	16
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,131,000	1,202
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,191,967,000	13
Total noninterest expense	$2,204,384,000	18
Salaries and employee benefits	$16,055,000	464
Premises and equipment expense	$7,980,000	306
Additional noninterest expense	$2,180,349,000	10
Pre-tax net operating income	$1,109,485,000	19
Securities gains (losses)	$-400,000	9,681
Applicable income taxes	$443,657,000	14
Income before extraordinary items	$665,428,000	18
Extraordinary gains, net	$0	38
Net income	$665,428,000	18
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,019,038,000	5
Cash dividends	$210,000,000	49
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$665,684,000	19
1999-12-31 (YTD Data)		Rank
Total interest income	$2,005,435,000	37
Total interest expense	$414,271,000	80
Net interest income	$1,591,164,000	15
Provision for loan and lease losses	$1,043,718,000	4
Total noninterest income	$1,706,919,000	21
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$618,000	2,148
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,706,301,000	15
Total noninterest expense	$1,255,789,000	29
Salaries and employee benefits	$884,000	6,384
Premises and equipment expense	$230,000	6,345
Additional noninterest expense	$1,254,675,000	16
Pre-tax net operating income	$998,576,000	19
Securities gains (losses)	$0	3,155
Applicable income taxes	$399,616,000	19
Income before extraordinary items	$598,960,000	20
Extraordinary gains, net	$0	35
Net income	$598,960,000	20
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$501,785,000	12
Cash dividends	$150,000,000	63
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$598,960,000	19
1998-12-31 (YTD Data)		Rank
Total interest income	$1,030,587,000	70
Total interest expense	$236,873,000	120
Net interest income	$793,714,000	44
Provision for loan and lease losses	$512,284,000	9
Total noninterest income	$980,880,000	28
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$359,000	3,434
Trading account gains and fees	$0	224
Additional Noninterest Income	$980,521,000	22
Total noninterest expense	$744,771,000	48
Salaries and employee benefits	$774,000	6,798
Premises and equipment expense	$239,000	6,124
Additional noninterest expense	$743,758,000	23
Pre-tax net operating income	$517,539,000	39
Securities gains (losses)	$0	4,449
Applicable income taxes	$206,582,000	32
Income before extraordinary items	$310,957,000	42
Extraordinary gains, net	$0	32
Net income	$310,957,000	43
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$341,138,000	18
Cash dividends	$320,000,000	31
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$310,957,000	42
1997-12-31 (YTD Data)		Rank
Total interest income	$507,626,000	115
Total interest expense	$133,353,000	194
Net interest income	$374,273,000	87
Provision for loan and lease losses	$112,200,000	42
Total noninterest income	$398,041,000	48
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$383,000	3,344
Trading account gains and fees	$0	239
Additional Noninterest Income	$397,658,000	35
Total noninterest expense	$447,958,000	65
Salaries and employee benefits	$669,000	7,495
Premises and equipment expense	$224,000	6,433
Additional noninterest expense	$447,065,000	31
Pre-tax net operating income	$212,156,000	78
Securities gains (losses)	$0	3,944
Applicable income taxes	$83,054,000	74
Income before extraordinary items	$129,102,000	78
Extraordinary gains, net	$0	44
Net income	$129,102,000	78
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,023,000	50
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$129,102,000	78
1996-12-31 (YTD Data)		Rank
Total interest income	$388,314,000	164
Total interest expense	$106,678,000	240
Net interest income	$281,636,000	118
Provision for loan and lease losses	$78,999,000	44
Total noninterest income	$262,841,000	68
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$425,000	3,165
Trading account gains and fees	$0	262
Additional Noninterest Income	$262,416,000	41
Total noninterest expense	$324,742,000	93
Salaries and employee benefits	$713,000	7,438
Premises and equipment expense	$191,000	7,191
Additional noninterest expense	$323,838,000	42
Pre-tax net operating income	$140,736,000	109
Securities gains (losses)	$0	4,148
Applicable income taxes	$55,622,000	104
Income before extraordinary items	$85,114,000	120
Extraordinary gains, net	$0	53
Net income	$85,114,000	119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,774,000	57
Cash dividends	$70,000,000	111
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$85,114,000	118
1995-12-31 (YTD Data)		Rank
Total interest income	$371,522,000	168
Total interest expense	$106,879,000	256
Net interest income	$264,643,000	125
Provision for loan and lease losses	$50,990,000	52
Total noninterest income	$225,155,000	72
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$403,000	3,345
Trading account gains and fees	$0	522
Additional Noninterest Income	$224,752,000	45
Total noninterest expense	$263,277,000	118
Salaries and employee benefits	$637,000	8,135
Premises and equipment expense	$182,000	7,556
Additional noninterest expense	$262,458,000	52
Pre-tax net operating income	$175,531,000	86
Securities gains (losses)	$0	3,831
Applicable income taxes	$66,218,000	76
Income before extraordinary items	$109,313,000	94
Extraordinary gains, net	$0	65
Net income	$109,313,000	94
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,827,000	68
Cash dividends	$80,000,000	92
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$109,313,000	92
1994-12-31 (YTD Data)		Rank
Total interest income	$296,661,000	182
Total interest expense	$81,414,000	256
Net interest income	$215,247,000	140
Provision for loan and lease losses	$40,384,000	62
Total noninterest income	$209,708,000	71
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$255,000	4,971
Trading account gains and fees	$0	475
Additional Noninterest Income	$209,453,000	39
Total noninterest expense	$222,072,000	127
Salaries and employee benefits	$649,000	8,280
Premises and equipment expense	$159,000	8,320
Additional noninterest expense	$221,264,000	62
Pre-tax net operating income	$162,499,000	85
Securities gains (losses)	$-10,000	9,836
Applicable income taxes	$61,780,000	77
Income before extraordinary items	$100,709,000	90
Extraordinary gains, net	$0	249
Net income	$100,709,000	91
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,737,000	69
Cash dividends	$110,000,000	52
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$100,715,400	91
1993-12-31 (YTD Data)		Rank
Total interest income	$295,930,000	163
Total interest expense	$88,487,000	219
Net interest income	$207,443,000	134
Provision for loan and lease losses	$46,488,000	79
Total noninterest income	$204,196,000	64
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$313,000	4,262
Trading account gains and fees	$0	532
Additional Noninterest Income	$203,883,000	36
Total noninterest expense	$172,267,000	148
Salaries and employee benefits	$966,000	6,333
Premises and equipment expense	$73,000	11,396
Additional noninterest expense	$171,228,000	73
Pre-tax net operating income	$192,884,000	51
Securities gains (losses)	$0	7,477
Applicable income taxes	$72,445,000	53
Income before extraordinary items	$120,439,000	66
Extraordinary gains, net	$0	3,149
Net income	$120,439,000	67
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,535,000	87
Cash dividends	$85,000,000	56
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$120,439,000	58
1992-12-31 (YTD Data)		Rank
Total interest income	$284,974,000	182
Total interest expense	$115,657,000	214
Net interest income	$169,317,000	156
Provision for loan and lease losses	$80,835,000	67
Total noninterest income	$159,759,000	75
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$199,000	6,008
Trading account gains and fees	$0	504
Additional Noninterest Income	$159,560,000	40
Total noninterest expense	$136,422,000	180
Salaries and employee benefits	$602,000	8,788
Premises and equipment expense	$145,000	9,267
Additional noninterest expense	$135,675,000	86
Pre-tax net operating income	$111,819,000	79
Securities gains (losses)	$0	8,369
Applicable income taxes	$44,773,000	67
Income before extraordinary items	$67,046,000	101
Extraordinary gains, net	$0	1,422
Net income	$67,046,000	101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,335,000	106
Cash dividends	$25,000,000	110
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$67,046,000	89

* 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.