Call reports 2015
DISCOVER BANK — 2015
What DISCOVER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 82,681,921,000 | 83,406,704,000 | 84,284,614,000 | 85,747,508,000 |
| Total loans | 67,437,065,000 | 68,843,585,000 | 70,052,586,000 | 72,365,215,000 |
| Allowance for loan losses | 1,756,933,000 | 1,716,295,000 | 1,725,306,000 | 1,852,777,000 |
| Securities available for sale | 2,768,254,000 | 2,949,490,000 | 3,277,909,000 | 3,063,403,000 |
| Securities held to maturity | 115,195,000 | 125,924,000 | 123,299,000 | 120,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,595,892,000 | 48,371,401,000 | 48,679,751,000 | 49,745,989,000 |
| Interest-bearing deposits | 48,273,574,000 | 48,022,735,000 | 48,289,849,000 | 49,287,265,000 |
| Noninterest-bearing deposits | 322,318,000 | 348,666,000 | 389,902,000 | 458,724,000 |
| Equity capital | 9,623,037,000 | 9,808,250,000 | 9,925,576,000 | 9,923,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,993,865,000 | 3,999,552,000 | 6,072,097,000 | 8,200,697,000 |
| Interest expense | 262,318,000 | 539,010,000 | 827,984,000 | 1,122,280,000 |
| Net interest income | 1,731,547,000 | 3,460,542,000 | 5,244,113,000 | 7,078,417,000 |
| Noninterest income | 261,248,000 | 539,766,000 | 806,200,000 | 1,047,587,000 |
| Noninterest expense | 745,629,000 | 1,521,337,000 | 2,279,688,000 | 3,098,075,000 |
| Provision for loan losses | 387,574,000 | 694,417,000 | 1,026,510,000 | 1,512,424,000 |
| Pretax income | 867,692,000 | 1,792,654,000 | 2,752,215,000 | 3,524,028,000 |
| Income tax | 305,517,000 | 641,243,000 | 998,327,000 | 1,277,762,000 |
| Net income | 562,175,000 | 1,151,411,000 | 1,753,888,000 | 2,246,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,627,160,000 | 9,811,434,000 | 9,948,949,000 | 9,941,364,000 |
| Total capital | 11,670,294,000 | 11,776,735,000 | 11,926,392,000 | 11,908,942,000 |
| Risk-weighted assets | 69,933,869,000 | 71,735,284,000 | 72,703,394,000 | 75,007,085,000 |