Call reports 2015
CUSTOMERS BANK — 2015
What CUSTOMERS 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 | 7,105,719,000 | 7,593,249,000 | 7,576,270,000 | 8,376,526,000 |
| Total loans | 6,095,934,000 | 6,555,173,000 | 6,499,104,000 | 7,250,543,000 |
| Allowance for loan losses | 33,566,000 | 37,491,000 | 33,823,000 | 35,647,000 |
| Securities available for sale | 373,889,000 | 353,679,000 | 401,082,000 | 541,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 8,810,000 | 6,768,000 | 10,938,000 | 9,295,000 |
| Total deposits | 4,911,342,000 | 5,511,038,000 | 5,813,437,000 | 5,966,208,000 |
| Interest-bearing deposits | 4,222,550,000 | 4,892,777,000 | 5,007,716,000 | 5,255,822,000 |
| Noninterest-bearing deposits | 688,792,000 | 618,261,000 | 805,721,000 | 710,386,000 |
| Equity capital | 499,081,000 | 537,015,000 | 550,408,000 | 562,926,000 |
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 | 58,696,000 | 118,356,000 | 182,092,000 | 249,804,000 |
| Interest expense | 10,924,000 | 22,586,000 | 34,925,000 | 47,706,000 |
| Net interest income | 47,772,000 | 95,770,000 | 147,167,000 | 202,098,000 |
| Noninterest income | 6,081,000 | 13,794,000 | 19,463,000 | 29,410,000 |
| Noninterest expense | 26,690,000 | 52,362,000 | 80,975,000 | 111,924,000 |
| Provision for loan losses | 2,964,000 | 12,299,000 | 14,393,000 | 20,566,000 |
| Pretax income | 24,199,000 | 44,903,000 | 71,245,000 | 99,001,000 |
| Income tax | 8,493,000 | 16,447,000 | 25,293,000 | 33,428,000 |
| Net income | 15,706,000 | 28,456,000 | 45,952,000 | 65,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 496,018,000 | 536,100,000 | 549,276,000 | 565,217,000 |
| Total capital | 639,584,000 | 683,591,000 | 693,099,000 | 710,864,000 |
| Risk-weighted assets | 5,483,137,000 | 5,871,397,000 | 5,814,587,000 | 6,553,691,000 |