Call reports 2009
COMENITY CAPITAL BANK — 2009
What COMENITY CAPITAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 303,314,000 | 332,719,000 | 379,993,000 | 419,222,000 |
| Total loans | 222,824,000 | 268,736,000 | 282,118,000 | 259,366,000 |
| Allowance for loan losses | 16,531,000 | 20,400,000 | 22,786,000 | 17,197,000 |
| Securities available for sale | 27,839,000 | 22,658,000 | 45,828,000 | 31,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,562,000 | 226,300,000 | 295,839,000 | 341,104,000 |
| Interest-bearing deposits | 205,100,000 | 225,000,000 | 294,600,000 | 339,600,000 |
| Noninterest-bearing deposits | 1,462,000 | 1,300,000 | 1,239,000 | 1,504,000 |
| Equity capital | 72,904,000 | 73,683,000 | 72,066,000 | 70,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 10,725,000 | 23,408,000 | 38,474,000 | 42,870,000 |
| Interest expense | 1,989,000 | 3,829,000 | 5,820,000 | 6,325,000 |
| Net interest income | 8,736,000 | 19,579,000 | 32,654,000 | 36,545,000 |
| Noninterest income | 5,727,000 | 10,016,000 | 15,986,000 | 17,887,000 |
| Noninterest expense | 7,737,000 | 15,731,000 | 24,170,000 | 12,570,000 |
| Provision for loan losses | 3,447,000 | 9,428,000 | 16,677,000 | 15,154,000 |
| Pretax income | 3,279,000 | 4,436,000 | 7,793,000 | 26,708,000 |
| Income tax | 1,168,000 | 1,585,000 | 2,769,000 | 9,169,000 |
| Net income | 2,111,000 | 2,851,000 | 5,024,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,452,000 | 70,038,000 | 74,283,000 | 72,178,000 |
| Total capital | 72,625,000 | 75,628,000 | 81,651,000 | 81,389,000 |
| Risk-weighted assets | 400,095,000 | 429,958,000 | 571,047,000 | 726,029,000 |
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