Call reports 2020
COMENITY CAPITAL BANK — 2020
What COMENITY CAPITAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 8,796,827,000 | 8,475,890,000 | 7,742,592,000 | 8,575,605,000 |
| Total loans | 7,414,037,000 | 6,725,750,000 | 6,886,647,000 | 7,615,512,000 |
| Allowance for loan losses | 860,952,000 | 892,849,000 | 901,138,000 | 897,417,000 |
| Securities available for sale | 96,005,000 | 84,686,000 | 72,477,000 | 78,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,703,446,000 | 6,998,174,000 | 6,386,913,000 | 6,213,149,000 |
| Interest-bearing deposits | 6,684,430,000 | 6,976,620,000 | 6,366,718,000 | 6,192,563,000 |
| Noninterest-bearing deposits | 19,016,000 | 21,554,000 | 20,195,000 | 20,586,000 |
| Equity capital | 957,493,000 | 913,103,000 | 952,308,000 | 991,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 425,967,000 | 737,833,000 | 1,082,915,000 | 1,466,491,000 |
| Interest expense | 50,777,000 | 95,563,000 | 135,091,000 | 171,701,000 |
| Net interest income | 375,190,000 | 642,270,000 | 947,824,000 | 1,294,790,000 |
| Noninterest income | 34,656,000 | 55,623,000 | 82,129,000 | 103,402,000 |
| Noninterest expense | 186,440,000 | 384,505,000 | 562,860,000 | 763,752,000 |
| Provision for loan losses | 280,142,000 | 432,558,000 | 534,431,000 | 634,632,000 |
| Pretax income | -56,487,000 | -118,789,000 | -66,957,000 | -313,000 |
| Income tax | -17,404,000 | -35,258,000 | -22,798,000 | 4,941,000 |
| Net income | -39,083,000 | -83,531,000 | -44,159,000 | -5,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,108,001,000 | 1,117,019,000 | 1,160,851,000 | 1,201,224,000 |
| Total capital | 1,207,174,000 | 1,208,358,000 | 1,253,992,000 | 1,303,593,000 |
| Risk-weighted assets | 7,475,071,000 | 6,816,637,000 | 6,956,414,000 | 7,706,624,000 |