Call reports 2016
COMENITY CAPITAL BANK — 2016
What COMENITY CAPITAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 4,945,241,000 | 5,282,641,000 | 5,621,168,000 | 6,707,230,000 |
| Total loans | 4,539,184,000 | 4,748,196,000 | 5,041,919,000 | 5,968,850,000 |
| Allowance for loan losses | 236,152,000 | 258,967,000 | 286,233,000 | 317,352,000 |
| Securities available for sale | 40,884,000 | 39,293,000 | 36,720,000 | 37,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,158,170,000 | 3,418,649,000 | 3,746,650,000 | 4,274,689,000 |
| Interest-bearing deposits | 3,145,466,000 | 3,407,460,000 | 3,735,690,000 | 4,263,026,000 |
| Noninterest-bearing deposits | 12,704,000 | 11,189,000 | 10,960,000 | 11,663,000 |
| Equity capital | 671,206,000 | 707,043,000 | 759,287,000 | 874,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 178,823,000 | 395,890,000 | 638,093,000 | 916,520,000 |
| Interest expense | 13,628,000 | 29,116,000 | 45,976,000 | 65,515,000 |
| Net interest income | 165,195,000 | 366,774,000 | 592,117,000 | 851,005,000 |
| Noninterest income | 42,930,000 | 85,331,000 | 127,177,000 | 165,213,000 |
| Noninterest expense | 89,265,000 | 197,070,000 | 304,756,000 | 428,935,000 |
| Provision for loan losses | 56,132,000 | 134,268,000 | 213,281,000 | 327,814,000 |
| Pretax income | 62,728,000 | 120,767,000 | 201,257,000 | 259,469,000 |
| Income tax | 22,475,000 | 44,772,000 | 73,137,000 | 95,650,000 |
| Net income | 40,253,000 | 75,995,000 | 128,120,000 | 163,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 613,338,000 | 643,031,000 | 698,703,000 | 809,579,000 |
| Total capital | 675,010,000 | 707,387,000 | 766,695,000 | 889,698,000 |
| Risk-weighted assets | 4,759,254,000 | 4,953,831,000 | 5,221,076,000 | 6,172,301,000 |