Call reports 2023
COMENITY CAPITAL BANK — 2023
What COMENITY CAPITAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 11,913,520,000 | 11,790,868,000 | 11,949,273,000 | 12,950,513,000 |
| Total loans | 10,239,972,000 | 10,310,111,000 | 10,372,763,000 | 11,336,235,000 |
| Allowance for loan losses | 1,270,640,000 | 1,277,088,000 | 1,293,373,000 | 1,408,573,000 |
| Securities available for sale | 91,614,000 | 101,062,000 | 103,344,000 | 91,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,831,549,000 | 8,787,624,000 | 9,059,743,000 | 9,339,288,000 |
| Interest-bearing deposits | 8,789,921,000 | 8,748,868,000 | 9,022,666,000 | 9,301,412,000 |
| Noninterest-bearing deposits | 41,628,000 | 38,756,000 | 37,077,000 | 37,876,000 |
| Equity capital | 2,254,653,000 | 1,898,165,000 | 1,935,034,000 | 1,888,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 709,731,000 | 1,322,860,000 | 2,000,345,000 | 2,730,388,000 |
| Interest expense | 106,453,000 | 197,064,000 | 302,740,000 | 423,617,000 |
| Net interest income | 603,278,000 | 1,125,796,000 | 1,697,605,000 | 2,306,771,000 |
| Noninterest income | 292,966,000 | 355,771,000 | 419,372,000 | 484,052,000 |
| Noninterest expense | 330,687,000 | 642,668,000 | 953,704,000 | 1,290,079,000 |
| Provision for loan losses | 11,171,000 | 238,172,000 | 442,127,000 | 791,039,000 |
| Pretax income | 554,371,000 | 599,925,000 | 719,855,000 | 709,019,000 |
| Income tax | 140,454,000 | 151,935,000 | 182,180,000 | 177,556,000 |
| Net income | 413,917,000 | 447,990,000 | 537,675,000 | 531,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,256,087,000 | 1,907,875,000 | 1,955,387,000 | 1,911,806,000 |
| Total capital | 2,398,277,000 | 2,050,873,000 | 2,099,782,000 | 2,069,292,000 |
| Risk-weighted assets | 10,413,859,000 | 10,472,910,000 | 10,569,754,000 | 11,514,936,000 |