Home > The Provident Bank > Income and Expense

The Provident Bank, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$336,404,000	138
Total interest expense	$110,923,000	124
Net interest income	$225,481,000	137
Provision for loan and lease losses	$42,253,000	70
Total noninterest income	$235,600,000	93
Gross Fiduciary activities income	$3,519,000	187
Service charges on deposit accounts	$23,229,000	103
Trading account gains and fees	$1,973,000	59
Additional Noninterest Income	$206,879,000	73
Total noninterest expense	$358,748,000	93
Salaries and employee benefits	$125,431,000	102
Premises and equipment expense	$149,320,000	33
Additional noninterest expense	$83,997,000	135
Pre-tax net operating income	$60,080,000	233
Securities gains (losses)	$11,655,000	58
Applicable income taxes	$21,525,000	221
Income before extraordinary items	$50,210,000	203
Extraordinary gains, net	$0	34
Net income	$50,210,000	204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,253,000	68
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$42,051,500	226
2004-09-30 (YTD Data)		Rank
Total interest income	$165,791,000	186
Total interest expense	$52,952,000	165
Net interest income	$112,839,000	189
Provision for loan and lease losses	$28,208,000	80
Total noninterest income	$124,719,000	124
Gross Fiduciary activities income	$1,998,000	219
Service charges on deposit accounts	$12,464,000	130
Trading account gains and fees	$627,000	72
Additional Noninterest Income	$109,630,000	98
Total noninterest expense	$187,618,000	127
Salaries and employee benefits	$67,555,000	129
Premises and equipment expense	$78,525,000	49
Additional noninterest expense	$41,538,000	187
Pre-tax net operating income	$21,732,000	381
Securities gains (losses)	$4,261,000	116
Applicable income taxes	$7,618,000	363
Income before extraordinary items	$18,375,000	340
Extraordinary gains, net	$0	26
Net income	$18,375,000	339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,208,000	78
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$15,349,690	368
2004-06-30 (YTD Data)		Rank
Total interest income	$350,854,000	82
Total interest expense	$199,579,000	48
Net interest income	$151,275,000	121
Provision for loan and lease losses	$71,511,000	33
Total noninterest income	$318,375,000	51
Gross Fiduciary activities income	$4,415,000	117
Service charges on deposit accounts	$24,230,000	69
Trading account gains and fees	$4,730,000	40
Additional Noninterest Income	$285,000,000	40
Total noninterest expense	$415,322,000	51
Salaries and employee benefits	$144,820,000	58
Premises and equipment expense	$25,607,000	80
Additional noninterest expense	$244,895,000	42
Pre-tax net operating income	$-17,183,000	9,082
Securities gains (losses)	$-17,337,000	9,072
Applicable income taxes	$-13,621,000	9,075
Income before extraordinary items	$-20,899,000	9,077
Extraordinary gains, net	$0	21
Net income	$-20,899,000	9,078
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,511,000	36
Cash dividends	$30,000,000	103
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-9,803,320	9,068
2004-03-31 (YTD Data)		Rank
Total interest income	$176,015,000	80
Total interest expense	$99,672,000	46
Net interest income	$76,343,000	117
Provision for loan and lease losses	$9,962,000	79
Total noninterest income	$164,820,000	48
Gross Fiduciary activities income	$2,283,000	114
Service charges on deposit accounts	$11,504,000	70
Trading account gains and fees	$2,466,000	42
Additional Noninterest Income	$148,567,000	39
Total noninterest expense	$188,199,000	58
Salaries and employee benefits	$60,636,000	64
Premises and equipment expense	$12,340,000	83
Additional noninterest expense	$115,223,000	42
Pre-tax net operating income	$43,002,000	116
Securities gains (losses)	$272,000	406
Applicable income taxes	$13,655,000	125
Income before extraordinary items	$29,619,000	123
Extraordinary gains, net	$0	16
Net income	$29,619,000	124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,962,000	80
Cash dividends	$15,000,000	92
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$29,434,040	115
2003-12-31 (YTD Data)		Rank
Total interest income	$762,831,000	75
Total interest expense	$444,435,000	47
Net interest income	$318,396,000	111
Provision for loan and lease losses	$115,979,000	52
Total noninterest income	$839,397,000	45
Gross Fiduciary activities income	$8,537,000	117
Service charges on deposit accounts	$50,198,000	70
Trading account gains and fees	$7,922,000	49
Additional Noninterest Income	$772,740,000	40
Total noninterest expense	$894,319,000	50
Salaries and employee benefits	$251,865,000	63
Premises and equipment expense	$51,523,000	82
Additional noninterest expense	$590,931,000	35
Pre-tax net operating income	$147,495,000	123
Securities gains (losses)	$20,168,000	70
Applicable income taxes	$57,811,000	119
Income before extraordinary items	$109,852,000	124
Extraordinary gains, net	$-1,202,000	9,171
Net income	$108,650,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,030,000	41
Cash dividends	$65,000,000	110
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$96,541,120	124
2003-09-30 (YTD Data)		Rank
Total interest income	$581,665,000	72
Total interest expense	$337,938,000	47
Net interest income	$243,727,000	111
Provision for loan and lease losses	$80,909,000	53
Total noninterest income	$584,797,000	47
Gross Fiduciary activities income	$6,327,000	121
Service charges on deposit accounts	$37,798,000	73
Trading account gains and fees	$5,238,000	51
Additional Noninterest Income	$535,434,000	39
Total noninterest expense	$650,606,000	50
Salaries and employee benefits	$188,183,000	64
Premises and equipment expense	$38,989,000	82
Additional noninterest expense	$423,434,000	35
Pre-tax net operating income	$97,009,000	136
Securities gains (losses)	$18,435,000	70
Applicable income taxes	$36,322,000	132
Income before extraordinary items	$79,122,000	126
Extraordinary gains, net	$0	40
Net income	$79,122,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,800,000	45
Cash dividends	$50,000,000	104
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$66,401,850	131
2003-06-30 (YTD Data)		Rank
Total interest income	$399,254,000	69
Total interest expense	$230,064,000	47
Net interest income	$169,190,000	106
Provision for loan and lease losses	$68,990,000	46
Total noninterest income	$404,082,000	43
Gross Fiduciary activities income	$3,647,000	134
Service charges on deposit accounts	$24,818,000	72
Trading account gains and fees	$3,971,000	50
Additional Noninterest Income	$371,646,000	38
Total noninterest expense	$443,904,000	49
Salaries and employee benefits	$128,079,000	64
Premises and equipment expense	$26,407,000	83
Additional noninterest expense	$289,418,000	33
Pre-tax net operating income	$60,378,000	141
Securities gains (losses)	$13,358,000	72
Applicable income taxes	$23,356,000	139
Income before extraordinary items	$50,380,000	132
Extraordinary gains, net	$0	30
Net income	$50,380,000	132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,022,000	36
Cash dividends	$30,000,000	97
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$41,296,560	139
2003-03-31 (YTD Data)		Rank
Total interest income	$201,727,000	68
Total interest expense	$117,254,000	45
Net interest income	$84,473,000	107
Provision for loan and lease losses	$16,521,000	80
Total noninterest income	$192,486,000	41
Gross Fiduciary activities income	$1,836,000	137
Service charges on deposit accounts	$12,370,000	74
Trading account gains and fees	$1,397,000	50
Additional Noninterest Income	$176,883,000	35
Total noninterest expense	$222,391,000	49
Salaries and employee benefits	$63,516,000	66
Premises and equipment expense	$13,147,000	84
Additional noninterest expense	$145,728,000	33
Pre-tax net operating income	$38,047,000	122
Securities gains (losses)	$12,500,000	47
Applicable income taxes	$16,128,000	120
Income before extraordinary items	$34,419,000	109
Extraordinary gains, net	$0	21
Net income	$34,419,000	109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,552,000	71
Cash dividends	$15,000,000	96
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$25,919,000	121
2002-12-31 (YTD Data)		Rank
Total interest income	$839,703,000	71
Total interest expense	$519,943,000	47
Net interest income	$319,760,000	116
Provision for loan and lease losses	$97,197,000	60
Total noninterest income	$794,384,000	42
Gross Fiduciary activities income	$7,045,000	138
Service charges on deposit accounts	$45,289,000	77
Trading account gains and fees	$5,281,000	46
Additional Noninterest Income	$736,769,000	36
Total noninterest expense	$866,459,000	48
Salaries and employee benefits	$234,746,000	61
Premises and equipment expense	$47,836,000	88
Additional noninterest expense	$583,877,000	36
Pre-tax net operating income	$150,488,000	124
Securities gains (losses)	$2,607,000	234
Applicable income taxes	$56,627,000	127
Income before extraordinary items	$96,468,000	138
Extraordinary gains, net	$0	70
Net income	$96,468,000	140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,641,000	44
Cash dividends	$45,000,000	139
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$94,799,520	127
2001-12-31 (YTD Data)		Rank
Total interest income	$971,306,000	76
Total interest expense	$686,965,000	56
Net interest income	$284,341,000	111
Provision for loan and lease losses	$215,545,000	38
Total noninterest income	$739,656,000	39
Gross Fiduciary activities income	$7,769,000	130
Service charges on deposit accounts	$37,565,000	79
Trading account gains and fees	$3,504,000	55
Additional Noninterest Income	$690,818,000	32
Total noninterest expense	$801,631,000	50
Salaries and employee benefits	$200,239,000	70
Premises and equipment expense	$47,674,000	81
Additional noninterest expense	$553,718,000	39
Pre-tax net operating income	$6,821,000	1,091
Securities gains (losses)	$-362,000	9,569
Applicable income taxes	$7,186,000	426
Income before extraordinary items	$-727,000	9,319
Extraordinary gains, net	$0	105
Net income	$-727,000	9,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,522,000	42
Cash dividends	$15,000,000	278
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-495,320	9,197
2000-12-31 (YTD Data)		Rank
Total interest income	$858,245,000	88
Total interest expense	$617,597,000	70
Net interest income	$240,648,000	130
Provision for loan and lease losses	$166,344,000	36
Total noninterest income	$688,848,000	45
Gross Fiduciary activities income	$8,365,000	131
Service charges on deposit accounts	$31,292,000	85
Trading account gains and fees	$831,000	81
Additional Noninterest Income	$648,360,000	34
Total noninterest expense	$669,478,000	60
Salaries and employee benefits	$166,199,000	74
Premises and equipment expense	$44,686,000	90
Additional noninterest expense	$458,593,000	45
Pre-tax net operating income	$93,674,000	163
Securities gains (losses)	$1,686,000	112
Applicable income taxes	$37,439,000	140
Income before extraordinary items	$57,921,000	162
Extraordinary gains, net	$0	38
Net income	$57,921,000	161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,153,000	62
Cash dividends	$37,000,000	168
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$56,841,960	166
1999-12-31 (YTD Data)		Rank
Total interest income	$638,892,000	98
Total interest expense	$330,458,000	88
Net interest income	$308,434,000	105
Provision for loan and lease losses	$47,844,000	73
Total noninterest income	$269,105,000	89
Gross Fiduciary activities income	$7,824,000	153
Service charges on deposit accounts	$28,428,000	93
Trading account gains and fees	$62,000	129
Additional Noninterest Income	$232,791,000	76
Total noninterest expense	$297,297,000	104
Salaries and employee benefits	$140,095,000	85
Premises and equipment expense	$39,191,000	100
Additional noninterest expense	$118,011,000	123
Pre-tax net operating income	$232,398,000	83
Securities gains (losses)	$-30,000	9,665
Applicable income taxes	$82,387,000	87
Income before extraordinary items	$149,981,000	82
Extraordinary gains, net	$0	35
Net income	$149,981,000	83
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,477,000	99
Cash dividends	$60,000,000	130
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$150,000,500	82
1998-12-31 (YTD Data)		Rank
Total interest income	$602,101,000	105
Total interest expense	$320,214,000	95
Net interest income	$281,887,000	115
Provision for loan and lease losses	$30,824,000	103
Total noninterest income	$206,367,000	103
Gross Fiduciary activities income	$5,981,000	176
Service charges on deposit accounts	$24,768,000	99
Trading account gains and fees	$655,000	106
Additional Noninterest Income	$174,963,000	88
Total noninterest expense	$289,152,000	109
Salaries and employee benefits	$118,637,000	99
Premises and equipment expense	$57,695,000	74
Additional noninterest expense	$112,820,000	132
Pre-tax net operating income	$168,278,000	95
Securities gains (losses)	$12,585,000	60
Applicable income taxes	$63,557,000	98
Income before extraordinary items	$117,306,000	92
Extraordinary gains, net	$0	32
Net income	$117,306,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,028,000	110
Cash dividends	$51,000,000	141
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$109,125,750	94
1997-12-31 (YTD Data)		Rank
Total interest income	$549,263,000	109
Total interest expense	$286,822,000	100
Net interest income	$262,441,000	118
Provision for loan and lease losses	$42,517,000	91
Total noninterest income	$154,736,000	107
Gross Fiduciary activities income	$5,557,000	186
Service charges on deposit accounts	$22,119,000	105
Trading account gains and fees	$-25,000	4,478
Additional Noninterest Income	$127,085,000	93
Total noninterest expense	$205,821,000	131
Salaries and employee benefits	$96,332,000	107
Premises and equipment expense	$26,566,000	122
Additional noninterest expense	$82,923,000	147
Pre-tax net operating income	$168,839,000	91
Securities gains (losses)	$8,932,000	54
Applicable income taxes	$62,219,000	95
Income before extraordinary items	$115,552,000	87
Extraordinary gains, net	$0	44
Net income	$115,552,000	87
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,738,000	86
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$109,746,200	91
1996-12-31 (YTD Data)		Rank
Total interest income	$498,539,000	130
Total interest expense	$268,906,000	117
Net interest income	$229,633,000	139
Provision for loan and lease losses	$44,664,000	76
Total noninterest income	$98,181,000	156
Gross Fiduciary activities income	$5,774,000	206
Service charges on deposit accounts	$19,835,000	129
Trading account gains and fees	$95,000	180
Additional Noninterest Income	$72,477,000	137
Total noninterest expense	$159,936,000	173
Salaries and employee benefits	$77,068,000	136
Premises and equipment expense	$20,298,000	172
Additional noninterest expense	$62,570,000	205
Pre-tax net operating income	$123,214,000	125
Securities gains (losses)	$96,000	975
Applicable income taxes	$43,202,000	125
Income before extraordinary items	$80,108,000	129
Extraordinary gains, net	$0	53
Net income	$80,108,000	128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,112,000	88
Cash dividends	$25,000,000	235
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$80,045,600	125
1995-12-31 (YTD Data)		Rank
Total interest income	$438,214,000	149
Total interest expense	$247,230,000	123
Net interest income	$190,984,000	165
Provision for loan and lease losses	$13,000,000	157
Total noninterest income	$49,804,000	230
Gross Fiduciary activities income	$4,940,000	232
Service charges on deposit accounts	$16,199,000	156
Trading account gains and fees	$88,000	289
Additional Noninterest Income	$28,577,000	229
Total noninterest expense	$129,902,000	204
Salaries and employee benefits	$66,316,000	149
Premises and equipment expense	$17,553,000	191
Additional noninterest expense	$46,033,000	250
Pre-tax net operating income	$97,885,000	152
Securities gains (losses)	$-56,000	11,232
Applicable income taxes	$33,867,000	154
Income before extraordinary items	$63,962,000	156
Extraordinary gains, net	$0	65
Net income	$63,962,000	155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,530,000	338
Cash dividends	$23,000,000	226
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$63,998,400	157
1994-12-31 (YTD Data)		Rank
Total interest income	$321,417,000	170
Total interest expense	$151,231,000	153
Net interest income	$170,186,000	181
Provision for loan and lease losses	$10,800,000	181
Total noninterest income	$37,741,000	267
Gross Fiduciary activities income	$4,017,000	249
Service charges on deposit accounts	$14,165,000	169
Trading account gains and fees	$138,000	222
Additional Noninterest Income	$19,421,000	274
Total noninterest expense	$111,109,000	223
Salaries and employee benefits	$58,195,000	173
Premises and equipment expense	$15,064,000	205
Additional noninterest expense	$37,850,000	283
Pre-tax net operating income	$86,018,000	161
Securities gains (losses)	$-7,000	9,611
Applicable income taxes	$30,031,000	159
Income before extraordinary items	$55,980,000	168
Extraordinary gains, net	$0	249
Net income	$55,980,000	168
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-372,000	12,504
Cash dividends	$25,000,000	179
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$55,984,550	171
1993-12-31 (YTD Data)		Rank
Total interest income	$267,407,000	178
Total interest expense	$114,096,000	179
Net interest income	$153,311,000	186
Provision for loan and lease losses	$11,400,000	258
Total noninterest income	$37,981,000	257
Gross Fiduciary activities income	$3,672,000	269
Service charges on deposit accounts	$13,561,000	174
Trading account gains and fees	$134,000	247
Additional Noninterest Income	$20,614,000	267
Total noninterest expense	$102,979,000	232
Salaries and employee benefits	$54,173,000	168
Premises and equipment expense	$14,097,000	220
Additional noninterest expense	$34,709,000	315
Pre-tax net operating income	$76,913,000	155
Securities gains (losses)	$922,000	569
Applicable income taxes	$27,870,000	138
Income before extraordinary items	$49,965,000	164
Extraordinary gains, net	$0	3,149
Net income	$49,965,000	166
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,852,000	331
Cash dividends	$43,250,000	104
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$49,374,920	163
1992-12-31 (YTD Data)		Rank
Total interest income	$268,958,000	192
Total interest expense	$129,868,000	190
Net interest income	$139,090,000	188
Provision for loan and lease losses	$14,201,000	278
Total noninterest income	$37,213,000	250
Gross Fiduciary activities income	$2,794,000	322
Service charges on deposit accounts	$12,306,000	176
Trading account gains and fees	$292,000	202
Additional Noninterest Income	$21,821,000	250
Total noninterest expense	$100,359,000	242
Salaries and employee benefits	$51,818,000	172
Premises and equipment expense	$12,899,000	241
Additional noninterest expense	$35,642,000	301
Pre-tax net operating income	$61,743,000	138
Securities gains (losses)	$9,488,000	119
Applicable income taxes	$25,495,000	119
Income before extraordinary items	$45,736,000	145
Extraordinary gains, net	$0	1,422
Net income	$45,736,000	146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,995,000	333
Cash dividends	$6,188,000	316
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$39,663,680	147

* 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.