Call reports 2013
COMENITY CAPITAL BANK — 2013
What COMENITY CAPITAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,106,105,000 | 1,233,532,000 | 1,449,745,000 | 1,699,422,000 |
| Total loans | 1,067,030,000 | 1,133,536,000 | 1,285,962,000 | 1,515,332,000 |
| Allowance for loan losses | 73,518,000 | 73,324,000 | 77,177,000 | 84,309,000 |
| Securities available for sale | 9,714,000 | 12,793,000 | 12,642,000 | 14,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,917,000 | 634,959,000 | 820,909,000 | 1,031,569,000 |
| Interest-bearing deposits | 557,428,000 | 630,598,000 | 816,507,000 | 1,027,145,000 |
| Noninterest-bearing deposits | 4,489,000 | 4,361,000 | 4,402,000 | 4,424,000 |
| Equity capital | 172,794,000 | 188,058,000 | 204,902,000 | 219,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 58,268,000 | 117,446,000 | 184,340,000 | 259,317,000 |
| Interest expense | 3,190,000 | 6,654,000 | 10,285,000 | 14,514,000 |
| Net interest income | 55,078,000 | 110,792,000 | 174,055,000 | 244,803,000 |
| Noninterest income | 10,547,000 | 20,679,000 | 31,768,000 | 42,863,000 |
| Noninterest expense | 15,382,000 | 32,761,000 | 52,296,000 | 76,706,000 |
| Provision for loan losses | 14,042,000 | 25,966,000 | 42,030,000 | 64,616,000 |
| Pretax income | 36,201,000 | 72,744,000 | 111,497,000 | 146,344,000 |
| Income tax | 13,865,000 | 27,329,000 | 41,795,000 | 54,645,000 |
| Net income | 22,336,000 | 45,415,000 | 69,702,000 | 91,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 172,738,000 | 188,284,000 | 205,114,000 | 219,637,000 |
| Total capital | 186,683,000 | 203,151,000 | 222,379,000 | 239,877,000 |
| Risk-weighted assets | 1,054,210,000 | 1,130,840,000 | 1,321,285,000 | 1,555,109,000 |
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