Call reports 2003
COMENITY BANK — 2003
What COMENITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 452,477,000 | 529,447,000 | 542,498,000 | 671,787,000 |
| Total loans | 142,876,000 | 182,390,000 | 238,792,000 | 284,675,000 |
| Allowance for loan losses | 5,886,000 | 6,506,000 | 17,838,000 | 16,558,000 |
| Securities available for sale | 65,064,000 | 105,323,000 | 18,184,000 | 58,502,000 |
| Securities held to maturity | 1,735,000 | 1,735,000 | 1,625,000 | 2,839,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,700,000 | 65,900,000 | 97,300,000 | 200,400,000 |
| Interest-bearing deposits | 74,700,000 | 65,900,000 | 97,300,000 | 200,400,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 225,272,000 | 242,658,000 | 264,690,000 | 293,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,039,000 | 8,849,000 | 17,772,000 | 30,215,000 |
| Interest expense | 642,000 | 1,208,000 | 1,677,000 | 2,454,000 |
| Net interest income | 4,397,000 | 7,641,000 | 16,095,000 | 27,761,000 |
| Noninterest income | 110,295,000 | 210,389,000 | 319,111,000 | 442,103,000 |
| Noninterest expense | 77,669,000 | 151,795,000 | 229,889,000 | 311,904,000 |
| Provision for loan losses | 2,710,000 | 4,784,000 | 11,191,000 | 19,965,000 |
| Pretax income | 34,313,000 | 61,451,000 | 94,126,000 | 137,995,000 |
| Income tax | 12,448,000 | 21,895,000 | 33,533,000 | 49,164,000 |
| Net income | 21,865,000 | 39,556,000 | 60,593,000 | 88,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 223,972,000 | 241,664,000 | 262,701,000 | 290,938,000 |
| Total capital | 229,858,000 | 248,170,000 | 280,539,000 | 307,496,000 |
| Risk-weighted assets | 861,593,000 | 935,561,000 | 1,190,143,000 | 1,563,129,000 |