Call reports 2005
DISCOVER BANK — 2005
What DISCOVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 18,512,436,000 | 20,883,931,000 | 21,271,521,000 | 23,661,567,000 |
| Total loans | 17,451,964,000 | 19,078,397,000 | 19,833,059,000 | 21,948,379,000 |
| Allowance for loan losses | 818,328,000 | 805,530,000 | 780,512,000 | 794,788,000 |
| Securities available for sale | 2,303,000 | 2,352,000 | 2,196,000 | 2,269,000 |
| Securities held to maturity | 8,820,000 | 8,609,000 | 7,945,000 | 26,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,724,437,000 | 16,419,753,000 | 16,709,720,000 | 15,272,120,000 |
| Interest-bearing deposits | 12,547,126,000 | 16,331,863,000 | 16,431,849,000 | 15,159,238,000 |
| Noninterest-bearing deposits | 177,311,000 | 87,890,000 | 277,871,000 | 112,882,000 |
| Equity capital | 2,923,061,000 | 3,081,860,000 | 3,229,515,000 | 3,217,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 437,400,000 | 986,162,000 | 1,569,921,000 | 2,139,908,000 |
| Interest expense | 138,300,000 | 298,781,000 | 482,324,000 | 673,738,000 |
| Net interest income | 299,100,000 | 687,381,000 | 1,087,597,000 | 1,466,170,000 |
| Noninterest income | 653,903,000 | 1,256,780,000 | 1,866,223,000 | 2,381,159,000 |
| Noninterest expense | 525,064,000 | 1,054,140,000 | 1,626,170,000 | 2,183,819,000 |
| Provision for loan losses | 122,179,000 | 330,338,000 | 540,633,000 | 896,231,000 |
| Pretax income | 305,763,000 | 559,680,000 | 787,014,000 | 767,276,000 |
| Income tax | 116,305,000 | 211,453,000 | 291,037,000 | 283,496,000 |
| Net income | 189,458,000 | 348,227,000 | 495,977,000 | 483,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,922,872,000 | 3,081,640,000 | 3,229,391,000 | 3,217,194,000 |
| Total capital | 3,267,630,000 | 3,452,518,000 | 3,604,683,000 | 3,598,597,000 |
| Risk-weighted assets | 22,784,973,000 | 25,234,802,000 | 25,627,193,000 | 27,129,543,000 |