Call reports 2013
CUSTOMERS BANK — 2013
What CUSTOMERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 3,464,291,000 | 3,791,749,000 | 3,897,581,000 | 4,127,288,000 |
| Total loans | 2,978,672,000 | 3,260,215,000 | 3,017,726,000 | 3,212,671,000 |
| Allowance for loan losses | 26,439,000 | 28,142,000 | 26,800,000 | 23,998,000 |
| Securities available for sale | 162,024,000 | 182,308,000 | 474,662,000 | 476,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,285,000 | 1,919,000 | 1,911,000 | 3,523,000 |
| Total deposits | 2,546,749,000 | 2,801,167,000 | 3,264,936,000 | 2,973,217,000 |
| Interest-bearing deposits | 2,293,317,000 | 2,509,867,000 | 2,572,101,000 | 2,481,819,000 |
| Noninterest-bearing deposits | 253,432,000 | 291,300,000 | 692,835,000 | 491,398,000 |
| Equity capital | 271,716,000 | 352,431,000 | 402,683,000 | 410,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 27,920,000 | 59,468,000 | 93,020,000 | 127,517,000 |
| Interest expense | 5,395,000 | 10,952,000 | 16,729,000 | 22,379,000 |
| Net interest income | 22,525,000 | 48,516,000 | 76,291,000 | 105,138,000 |
| Noninterest income | 6,606,000 | 14,921,000 | 20,213,000 | 23,088,000 |
| Noninterest expense | 16,382,000 | 32,578,000 | 50,659,000 | 72,406,000 |
| Provision for loan losses | 1,100,000 | 5,720,000 | 6,470,000 | 2,236,000 |
| Pretax income | 11,649,000 | 25,139,000 | 39,375,000 | 54,858,000 |
| Income tax | 4,077,000 | 8,799,000 | 13,813,000 | 19,200,000 |
| Net income | 7,572,000 | 16,340,000 | 25,562,000 | 35,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 265,673,000 | 350,275,000 | 400,426,000 | 411,434,000 |
| Total capital | 292,672,000 | 378,972,000 | 427,809,000 | 435,432,000 |
| Risk-weighted assets | 2,817,217,000 | 3,048,943,000 | 3,016,223,000 | 3,086,699,000 |