Call reports 2012
COMENITY CAPITAL BANK — 2012
What COMENITY CAPITAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 726,860,000 | 798,004,000 | 887,065,000 | 1,001,412,000 |
| Total loans | 690,642,000 | 768,735,000 | 856,823,000 | 982,199,000 |
| Allowance for loan losses | 53,743,000 | 56,385,000 | 60,139,000 | 70,933,000 |
| Securities available for sale | 6,796,000 | 9,968,000 | 7,920,000 | 9,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,424,000 | 405,253,000 | 437,500,000 | 493,510,000 |
| Interest-bearing deposits | 369,694,000 | 402,550,000 | 434,737,000 | 490,380,000 |
| Noninterest-bearing deposits | 2,730,000 | 2,703,000 | 2,763,000 | 3,130,000 |
| Equity capital | 108,730,000 | 124,847,000 | 141,051,000 | 157,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 44,030,000 | 90,372,000 | 142,153,000 | 194,515,000 |
| Interest expense | 2,463,000 | 4,325,000 | 7,156,000 | 10,168,000 |
| Net interest income | 41,567,000 | 86,047,000 | 134,997,000 | 184,347,000 |
| Noninterest income | 3,714,000 | 9,931,000 | 19,670,000 | 29,489,000 |
| Noninterest expense | 11,587,000 | 23,830,000 | 37,008,000 | 51,021,000 |
| Provision for loan losses | 10,393,000 | 22,523,000 | 35,991,000 | 52,328,000 |
| Pretax income | 23,301,000 | 49,625,000 | 81,668,000 | 110,487,000 |
| Income tax | 8,871,000 | 11,660,000 | 20,090,000 | 24,486,000 |
| Net income | 14,430,000 | 37,965,000 | 61,578,000 | 86,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,656,000 | 124,726,000 | 140,875,000 | 157,842,000 |
| Total capital | 118,003,000 | 134,931,000 | 152,175,000 | 170,662,000 |
| Risk-weighted assets | 700,846,000 | 766,746,000 | 850,363,000 | 964,545,000 |