Call reports 2010
COMENITY CAPITAL BANK — 2010
What COMENITY CAPITAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 512,690,000 | 476,792,000 | 471,533,000 | 539,354,000 |
| Total loans | 400,302,000 | 412,397,000 | 423,416,000 | 483,628,000 |
| Allowance for loan losses | 30,471,000 | 32,717,000 | 36,255,000 | 39,684,000 |
| Securities available for sale | 35,655,000 | 4,741,000 | 4,740,000 | 4,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,494,000 | 320,664,000 | 284,138,000 | 205,298,000 |
| Interest-bearing deposits | 339,800,000 | 319,100,000 | 282,500,000 | 203,600,000 |
| Noninterest-bearing deposits | 1,694,000 | 1,564,000 | 1,638,000 | 1,698,000 |
| Equity capital | 65,151,000 | 67,408,000 | 70,891,000 | 73,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 22,256,000 | 47,666,000 | 73,672,000 | 101,371,000 |
| Interest expense | 3,125,000 | 5,829,000 | 9,046,000 | 11,993,000 |
| Net interest income | 19,131,000 | 41,837,000 | 64,626,000 | 89,378,000 |
| Noninterest income | 325,000 | 630,000 | 917,000 | 1,788,000 |
| Noninterest expense | 9,126,000 | 18,100,000 | 23,691,000 | 29,055,000 |
| Provision for loan losses | 6,563,000 | 17,198,000 | 29,435,000 | 42,409,000 |
| Pretax income | 3,767,000 | 7,169,000 | 12,417,000 | 19,702,000 |
| Income tax | 970,000 | 2,186,000 | 3,923,000 | 6,628,000 |
| Net income | 2,797,000 | 4,983,000 | 8,494,000 | 11,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,341,000 | 65,538,000 | 70,812,000 | 73,516,000 |
| Total capital | 70,077,000 | 72,697,000 | 78,095,000 | 81,690,000 |
| Risk-weighted assets | 593,042,000 | 541,970,000 | 551,442,000 | 622,177,000 |
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