Call reports 2002
COMENITY BANK — 2002
What COMENITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 410,772,000 | 428,394,000 | 477,375,000 | 435,502,000 |
| Total loans | 120,543,000 | 130,026,000 | 193,708,000 | 147,015,000 |
| Allowance for loan losses | 6,143,000 | 4,820,000 | 5,321,000 | 5,441,000 |
| Securities available for sale | 0 | 23,472,000 | 18,575,000 | 31,058,000 |
| Securities held to maturity | 1,950,000 | 1,950,000 | 1,845,000 | 1,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,800,000 | 85,000,000 | 84,800,000 | 96,200,000 |
| Interest-bearing deposits | 96,800,000 | 85,000,000 | 84,800,000 | 96,200,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 209,722,000 | 214,022,000 | 224,839,000 | 203,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,500,000 | 9,564,000 | 10,734,000 | 17,713,000 |
| Interest expense | 1,603,000 | 2,555,000 | 3,364,000 | 4,139,000 |
| Net interest income | 3,897,000 | 7,009,000 | 7,370,000 | 13,574,000 |
| Noninterest income | 83,154,000 | 160,546,000 | 252,436,000 | 350,358,000 |
| Noninterest expense | 66,708,000 | 140,715,000 | 215,247,000 | 289,239,000 |
| Provision for loan losses | 2,030,000 | 2,617,000 | 3,776,000 | 6,572,000 |
| Pretax income | 18,313,000 | 24,223,000 | 40,783,000 | 68,121,000 |
| Income tax | 7,558,000 | 9,069,000 | 15,179,000 | 24,231,000 |
| Net income | 10,755,000 | 15,154,000 | 25,604,000 | 43,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 208,972,000 | 213,370,000 | 223,820,000 | 202,107,000 |
| Total capital | 215,115,000 | 218,190,000 | 229,141,000 | 207,548,000 |
| Risk-weighted assets | 1,225,657,000 | 1,351,451,000 | 1,387,673,000 | 1,051,561,000 |