Call reports 2006
DISCOVER BANK — 2006
What DISCOVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 20,227,644,000 | 22,556,855,000 | 21,802,181,000 | 25,164,842,000 |
| Total loans | 17,026,728,000 | 20,530,048,000 | 20,091,975,000 | 22,875,020,000 |
| Allowance for loan losses | 669,200,000 | 642,812,000 | 663,833,000 | 711,886,000 |
| Securities available for sale | 2,175,000 | 2,004,000 | 2,138,000 | 2,300,000 |
| Securities held to maturity | 43,317,000 | 54,621,000 | 54,065,000 | 63,188,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,005,866,000 | 13,454,953,000 | 14,284,726,000 | 14,435,548,000 |
| Interest-bearing deposits | 14,911,749,000 | 13,353,822,000 | 14,193,027,000 | 14,323,579,000 |
| Noninterest-bearing deposits | 94,117,000 | 101,131,000 | 91,699,000 | 111,969,000 |
| Equity capital | 3,591,814,000 | 3,903,581,000 | 4,117,138,000 | 3,799,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 539,927,000 | 1,097,391,000 | 1,679,322,000 | 2,287,056,000 |
| Interest expense | 179,414,000 | 354,179,000 | 554,227,000 | 759,593,000 |
| Net interest income | 360,513,000 | 743,212,000 | 1,125,095,000 | 1,527,463,000 |
| Noninterest income | 753,504,000 | 1,554,226,000 | 2,273,462,000 | 2,982,037,000 |
| Noninterest expense | 524,214,000 | 1,100,883,000 | 1,686,713,000 | 2,329,394,000 |
| Provision for loan losses | -4,326,000 | 105,542,000 | 289,772,000 | 528,094,000 |
| Pretax income | 594,105,000 | 1,090,989,000 | 1,422,043,000 | 1,651,983,000 |
| Income tax | 219,598,000 | 404,604,000 | 522,188,000 | 570,292,000 |
| Net income | 374,507,000 | 686,385,000 | 899,855,000 | 1,081,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,591,701,000 | 3,903,579,000 | 4,117,049,000 | 3,798,885,000 |
| Total capital | 3,924,548,000 | 4,280,097,000 | 4,487,685,000 | 4,210,017,000 |
| Risk-weighted assets | 21,492,850,000 | 25,345,946,000 | 24,520,956,000 | 28,500,771,000 |