Call reports 2025
COMENITY CAPITAL BANK — 2025
What COMENITY CAPITAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 13,240,224,000 | 12,908,706,000 | 12,699,009,000 | 13,626,906,000 |
| Total loans | 10,894,353,000 | 10,879,508,000 | 10,932,513,000 | 11,670,927,000 |
| Allowance for loan losses | 1,366,095,000 | 1,323,122,000 | 1,308,019,000 | 1,335,771,000 |
| Securities available for sale | 90,538,000 | 95,307,000 | 94,398,000 | 93,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,942,092,000 | 9,999,295,000 | 9,978,273,000 | 10,445,771,000 |
| Interest-bearing deposits | 9,894,685,000 | 9,952,421,000 | 9,932,560,000 | 10,400,662,000 |
| Noninterest-bearing deposits | 47,407,000 | 46,874,000 | 45,713,000 | 45,109,000 |
| Equity capital | 1,826,524,000 | 1,886,203,000 | 1,826,760,000 | 1,770,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 713,642,000 | 1,402,659,000 | 2,119,446,000 | 2,851,748,000 |
| Interest expense | 121,277,000 | 238,542,000 | 351,076,000 | 461,884,000 |
| Net interest income | 592,365,000 | 1,164,117,000 | 1,768,370,000 | 2,389,864,000 |
| Noninterest income | 65,812,000 | 137,677,000 | 210,817,000 | 281,721,000 |
| Noninterest expense | 351,503,000 | 740,437,000 | 1,139,003,000 | 1,559,644,000 |
| Provision for loan losses | 209,815,000 | 398,310,000 | 601,841,000 | 853,544,000 |
| Pretax income | 97,309,000 | 163,503,000 | 240,747,000 | 260,836,000 |
| Income tax | 27,210,000 | 34,520,000 | 48,262,000 | 51,086,000 |
| Net income | 70,099,000 | 128,983,000 | 192,485,000 | 209,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,735,034,000 | 1,802,314,000 | 1,749,227,000 | 1,699,892,000 |
| Total capital | 2,141,626,000 | 2,208,313,000 | 2,155,243,000 | 2,115,419,000 |
| Risk-weighted assets | 11,317,869,000 | 11,312,798,000 | 11,329,275,000 | 12,071,933,000 |
Machine access — free, no API key
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