Call reports 2015
COMENITY CAPITAL BANK — 2015
What COMENITY CAPITAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,970,717,000 | 3,175,954,000 | 3,408,017,000 | 4,150,049,000 |
| Total loans | 2,754,741,000 | 2,962,163,000 | 3,162,044,000 | 3,784,852,000 |
| Allowance for loan losses | 151,938,000 | 170,389,000 | 195,028,000 | 231,064,000 |
| Securities available for sale | 26,508,000 | 29,190,000 | 43,692,000 | 41,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,056,164,000 | 2,234,718,000 | 2,559,440,000 | 2,765,751,000 |
| Interest-bearing deposits | 2,045,974,000 | 2,227,125,000 | 2,552,268,000 | 2,757,454,000 |
| Noninterest-bearing deposits | 10,190,000 | 7,593,000 | 7,172,000 | 8,297,000 |
| Equity capital | 401,919,000 | 435,005,000 | 459,836,000 | 530,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 130,042,000 | 267,861,000 | 414,803,000 | 590,234,000 |
| Interest expense | 7,461,000 | 15,154,000 | 23,843,000 | 34,560,000 |
| Net interest income | 122,581,000 | 252,707,000 | 390,960,000 | 555,674,000 |
| Noninterest income | 27,916,000 | 59,791,000 | 93,904,000 | 133,049,000 |
| Noninterest expense | 71,869,000 | 143,363,000 | 214,439,000 | 295,885,000 |
| Provision for loan losses | 51,886,000 | 104,579,000 | 165,989,000 | 245,017,000 |
| Pretax income | 26,742,000 | 64,556,000 | 104,436,000 | 147,821,000 |
| Income tax | 10,092,000 | 24,640,000 | 40,127,000 | 57,542,000 |
| Net income | 16,650,000 | 39,916,000 | 64,309,000 | 90,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 386,215,000 | 420,562,000 | 446,402,000 | 510,886,000 |
| Total capital | 423,470,000 | 460,583,000 | 489,050,000 | 562,404,000 |
| Risk-weighted assets | 2,865,792,000 | 3,071,296,000 | 3,259,503,000 | 3,941,885,000 |